This coverage protects your business from claims arising from alleged bodily injury, personal injury or property damage liability. It includes protection for services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs or other related expenses.

Types of general liability coverage include:

Occurrence

This provides coverage for claims arising out of an accident that result in bodily injury or property damage neither expected nor intended. It covers such claims that occur during the policy period regardless of when the claim was made against you.

Claims Made

This coverage will provide protection for only those claims reported or first made during the policy period or during any previous period that is stated in the Prior Acts or Retroactive Date option of your policy. This option allows you to keep coverage in force under consecutive Claims-Made policies.

Products/Completed Operations

This coverage is used to insure against claims arising out of bodily injury and property damage that result from products you have sold, manufactured, handled, distributed or disposed of; or for work you have performed, provided the accident occurs away from a premises you own or rent.

Employee Benefits Liability

This coverage is used to insure against negligent acts, errors or omissions committed by you or any person for whose acts you are legally responsible for while engaging in the management of your company’s employee benefit plans.

Host Liquor Liability

This coverage is used to insure against claims arising from the serving of liquor at meetings or functions as long as you do not sell, manufacture or distribute alcoholic beverages as a business.

Incidental Medical Malpractice

This coverage is used to protect against claims arising out of you or your employees rendering or failing to render proper incidental medical assistance (first aid).

Medical Payments

This coverage will reimburse, without regard to your liability, all reasonable medical expenses incurred by persons as a result of bodily injury sustained by accident as defined in your policy.

Personal Injury Liability

This coverage is used to extend your General Liability policy to include protection against claims alleging false arrest, libel, slander, malicious prosecution, wrongful entry or wrongful eviction.

Employment Practices Liability

This insurance is used to protect against lawsuits by employees alleging wrongful termination, discrimination, harassment or other specified employment related exposures.

Fiduciary Liability

This coverage is used to insure you against claims alleging breech of fiduciary obligations as outlined under the Employment Retirement Income Security Act of 1974.

Directors & Officers Liability

This insurance is used to insure against claims arising from the negligent acts, errors or omissions alleged to have been committed by present or former directors or officers of your corporation.

Professional Liability — Errors & Omissions

This coverage is used to insure against claims arising out of negligent acts, errors or omissions in the rendering or failing to render professional services of your occupation.

This website provides a basic summary of the insurance products offered by Reynolds Insurance. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.