One of the most common risks faced by all organizations is financial loss caused by legal liability for injuries to persons or damage to the property of others. Often equated to liability insurance and one of the most important classes of insurance coverage an organization can have, Casualty Insurance is liability coverage of an individual or organization for negligent acts or omissions.
Casualty Insurance represents the broad category of coverage’s available against loss of property, damage or other liabilities not directly concerned Commercial Property Insurance. The following are widely used Casualty Insurance policies to cover a businesses casualty exposure:
Business Owner Policy: A Business Owner’s Policy (BOP) is a prepackaged insurance policy specifically for small businesses and provides a combination of coverage that includes Commercial General Liability, Commercial Property, Business interruption, and many additional protections into one convenient policy. I’ll work with you to design coverage that protects your business from a variety of risks, unique to you.
Commercial Auto Insurance: Whether you have one vehicle or a whole fleet, I can help you implement custom coverage that will protect any auto that is owned, leased, hired or borrowed by your business.
Cyber Liability & Privacy Insurance: Cyber liability insurance is a type of insurance that helps protect your business in the event of a data breach, network security failure, or other cyber threat, and from risks relating to information technology infrastructure and activities. I’ll help you evaluate the cyber liability risks your business faces and find you a policy that meets your specific needs.
Excess/Umbrella Liability: Umbrella Liability insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. I’ll work with you to find the right umbrella solution to cover all your business needs.
General Liability: Your business is faced with several liability hazards everyday. Commercial General Liability coverage is going to cover claims in four basic areas of business liability, these are: Bodily Injury, Property Damage, Personal Injury, and Advertising Injury. I’ll work with you to determine your business risks and put together a liability option that makes sense for your business.
Liquor Liability: Liquor liability insurance is designed to defend against charges of negligence related to the service of alcohol. If your business manufactures, sells, serves, or facilitates the uses or purchase of alcohol, then this coverage is required. I’ll work with you to create a custom solution to help protect your business against liquor liability risks.
Media Liability Insurance: Media Liability insurance is tailored insurance coverage for companies that publish, broadcast, or are involved in other media-related activities as traditional insurance policies fail to address exposures related to these industries such as defamation, invasion of privacy, and intellectual property right infringements.
Product Recall Liability Insurance: Product Recall Liability insurance is specialized coverage that provides protection in the event you must recall any of your products. Coverage will trigger due to malicious or accidental product contamination. I’ll work with you to create a custom solution to help protect your business against any of your products that might need to be recalled.
Reach out to me when you’re considering Casualty Insurance. I will discuss coverage’s with you, how each coverage works and assess how it fits into your risk management needs. I provide you with comparative Oregon Business Insurance quotes from multiple insurance carriers so you can get the best possible rate.
Reach out to me when you’re considering Casualty Insurance. I will discuss with you how it works and assess if it fits into your risk management needs. If you determine this coverage is needed I will then provide you with comparative Casualty Insurance quotes from multiple insurance carriers so you can get the best possible rate.
As an insurance broker I help businesses throughout Oregon and the Pacific Northwest manage risk.