These coverages protect an insured party against injury or damage claims from other parties. Most policies provide coverage for liability arising out of:

• Premises and Operation
• Fire Damage Liability (damage by fire to premises rented to insured)
• Personal and Advertising Injury
• Medical Payments
• Products/Completed Operations

Ask about a Business Owners Package that combines Liability, Property and other types of
coverage into one comprehensive policy. This approach can save you time and money on
your total insurance program.

Because of the frequency of lawsuits, you might add extra liability protection in the form of
a Commercial Umbrella Policy. If that makes sense for you, ask for full details.