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Commercial General, Umbrella & Excess Liability

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Commercial General Liability

When alleged bodily injury or property damage claims occur from the operation of or by a product manufactured by your business, a Commercial General Liability (CGL) policy affords you the peace of mind knowing that your businesses assets are protected in the event of a lawsuit.  

As part of a package policy, or separately tailored for your unique business needs, a CGL policy protects your business in the following general areas:

  • Bodily Injury and Property Damage
  • Personal and Advertising Injury
  • Medical Payments
  • Tenants' Legal Liability

Umbrella and/Or Excess Liability

If a lawsuit were brought against your business and/or you personally, Umbrella and Excess liability policies are cost effective ways to ensure higher limits, protecting you and/or your business from the unexpected.

Excess liability increases your limits of insurance while providing the same or more restrictive coverages than your primary policies.  If the limits on your primary policies are exhausted, the excess policy will trigger.

An Umbrella Liability policy revolves around the same concept, but has added benefits for you, the insured.  Acting like an umbrella it sits over multiple primary policies, in addition to providing broader coverage in the following areas:

  • Worldwide Coverage
  • Personal Injury Coverage
  • Employers' Liability
  • Care, Custoday and Control Coverage
  • Aviation Liability
  • Marine Liability
  • Advertisers Liability
  • Liquor Law Liability
  • XCU Liability
  • Extension of Protection to Additional Insured's

Another key feature to an Umbrella policy is its “drop-down” effect.  When aggregate limits have been exhausted, or there is no coverage under your primary policy, the Umbrella will “drop-down” to become your primary policy.

Your team of professionals at Brokers Trust Insurance Group understand that lawsuit judgments are continuously increasing in today’s litigious world.  Our understanding and experience allows us to customize a policy for you or your business.

If interested in a trusted assessment of your Commercial Insurance program, please email our commercial department, or call (905) 760-1515.

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