General Liability Insurance

Protecting the businesses of Tampa Bay and Florida

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business.

Coverage typically includes protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.  Exactly how your general liability policy would protect your business is going to be largely dependent on your type of business and the specific exposures that you have.

When you call Fairchild, Addison & McKone Insurance, we strive to become your strategic partner.  From the beginning of your relationship with us, you will speak to someone who will go over the services that you provide so that we can properly advise you on your insurance.  That person will become your dedicated agent and any questions or concerns, payments, or certificates of insurance, will be handled by that same person to maintain continuity.  This level of service allows us to better serve you and help protect your business.

Insurance is like a parachute, you want to know that when you need it, it’s there for you. Depending on your type of business, there are specific coverages that you may need.  Our comprehensive insurance review can help you feel confident in your protection and allow you to focus on your business.

Fairchild, Addison, & McKone Insurance, Inc. recommends that all businesses have general liability coverage in place. Request a quote or call us at 813-681-4893.

Additional Liability Coverage

Take a look at the list below for additional liability coverages that you may want to consider.

Professional Liability Insurance (Errors & Omissions)

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies.  Even our contractors have a type of errors & omissions that can be useful.  How? Call us today and find out!

Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Fairchild, Addison, & McKone Insurance, Inc. recommends considering this type of coverage.

Directors and Officers Insurance (D&O)

D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other products and services, call Fairchild, Addison, & McKone Insurance, Inc. at 813-681-4893 and we’ll help make sure you’re properly covered.

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