General Liability Insurance

Protect your business

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Commercial General Liability Insurance will protect your business assets in the event you or your employees are negligent, cause bodily injury, or cause property damage

 

Mistakes and accidents happen. Liability insurance protects your business from certain risks. For example, if a customer slips on your steps and sues you, liability covers this.

Liability will not only pay the cost of the damages, but also the attorney fees and other costs associated with your defense in a lawsuit, whether or not the lawsuit has merit.

 

Other Types of Liability Insurance Available

  • Employment Practices Liability Insurance
  • Employee Benefits Liability
  • Garage Liability and Dealers Blanket
  • Products and Completed Operations
  • Personal & Advertising Injury
  • Med Pay
  • Pollution
  • Cyber Theft Insurance/ Cyber Liability

 

However, liability insurance will not protect you against claims arising from nonperformance of a contract, wrongful termination of employees, sexual harassment, or race and gender lawsuits.

 

Commercial Crime Insurance

This coverage protects businesses from theft and malicious damage, such as employee embezzlement.

I got a letter from my carrier stating I need to complete an Audit?  What is this and why do I need to fill it out?

An audit is how the insurance carrier justifies the actual payroll & sales that you have used during the policy period.  Your policies are based on estimated sales & payroll at the beginning of the policy term and you need to justify those #’s with your 940’s, 941’s tax forms etc. at the end of the policy term.  It is NOT an IRS audit.

 

I need a certificate of insurance for a client.  How do I  handle getting this?

You can call us during our normal business hours or e-mail your request to [email protected]  Please provide your phone number when e-mailing so that we may contact you with any questions.

 

You currently write my commercial policies, can you get me a quote on my home/auto insurance as well?  Will I have the same agent?

We can definitely quote your personal insurance – auto, home umbrella, etc.  You can have the same agent if you wish.

 

Do I need a downpayment for writing a new commercial policy?

YES-most of our carriers will require you to make a downpayment equal to that of the installment option that you choose.  You will need to provide this downpayment on the date you sign your application to start your new policy.

 

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

 

Who do I call when I have a claim to report? What if that claim is not during your business hours?

Call your agent at our office.  If you are calling after hours and have a claim emergency, you will be given an after-hours emergency claim phone number to call.

 

Does your policy come with an agent/customer service rep?

At abel insurance – your policy does!

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

Do you need an original hard copy signature?

NO-Most of our carriers today allow for a PDF document as long as it is an original signature.  Some are also allowing e-signatures as well.

 

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

 

Who do I call when I have a claim to report? What if that claim is not during your business hours?

Call your agent at our office.  If you are calling after hours and have a claim emergency, you will be given an after-hours emergency claim phone number to call.

 

Does your policy come with an agent/customer service rep?

At abel insurance – your policy does!

What is an Umbrella for?

To provide an additional layer of liability when your auto and home liability limits have been exhausted.  Umbrella policies normally start at $1 Million in coverage and can be as little as $150/year.

 

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

 

Who do I call when I have a claim to report? What if that claim is not during your business hours?

Call your agent at our office.  If you are calling after hours and have a claim emergency, you will be given an after-hours emergency claim phone number to call.

 

Does your policy come with an agent/customer service rep?

At abel insurance – your policy does!

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

 

Do you need an original hard copy signature?

NO-Most of our carriers today allow for a PDF document as long as it is an original signature.  Some are also allowing e-signatures as well.

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

What is an Umbrella for?

To provide an additional layer of liability when your auto and home liability limits have been exhausted.  Umbrella policies normally start at $1 Million in coverage and can be as little as $150/year.

 

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

Have a New Driver?

Use this Teen Driving Contract to go over the rules of the road and go over consequences.

Download our Teen Driving Contract

 

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— Ruthelle N.

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