Business Liability

• Premises Liability
Provides protection for injury to others that occurs at your place of business.

• Advertising/Personal Injury
Protects your business against claims of financial damages to others resulting from your advertisements. It also provides coverage for claims brought against you because of your actions or statements that are deemed slanderous or damaging to another person’s reputation.

• Defense Costs
Pays legal expenses for liability claims brought against your business regardless of who’s at fault.

• Tenant Liability
Protects your business against claims of damage due to fire or other covered losses caused by you to premises that you rent.

• Building and Business Personal Property
Your Package Policy also contains coverage to repair or replace your building and any equipment, stock, furniture or fixtures that you own. Our Package Policy’s coverage is expansive, including:

• Building and Contents
If your office or business contents are damaged or destroyed because of a covered loss, you’ll receive the full cost to repair or replace your property up to a limit you select when you purchase your policy.

• Business Income
You’ll be reimbursed for your actual loss of earnings for up to 12 months resulting from a covered loss to your property. Extra expenses needed to continue your operations, such as renting temporary office space, are also covered.

• Equipment Breakdown
If vital equipment used in your business suffers a mechanical breakdown or electrical current damage, you’ll be covered for the cost to repair or replace the damaged property. This equipment includes such items as air conditioners, computers, phone systems and boilers.

• Money and Securities
You’ll be protected for stolen, destroyed or lost money and securities used in your business.

Optional Upgraded Coverage’s to Meet Your Needs

• Accounts Receivable
With this option, you are protected if you are unable to collect outstanding balances as a result of loss or damage to your account records.

• Valuable Papers & Records
If your client records or files are destroyed or damaged, this coverage protects the value of your time, work and research to re-create those files.

• Fine Arts
This option provides protection for fine art displayed in your offices.

• Forgery
This coverage protects you if someone forges your name on checks, drafts, or promissory notes.

• Computers & Media
This option extends property coverage to your computers, peripheral devices, software, media and data contained within your computer system – including loss caused by a computer virus, whether your system is located in your office or elsewhere in the U.S.

• Employee Dishonesty
Pays for loss of money or property resulting from dishonest acts committed by your employees.

Other Important Coverages

• Workers’ Compensation
Workers’ Compensation coverage is designed to meet your special needs as a business owner. We offer 24-hour, seven-days-a-week access to our claims reporting facility. In addition, state-of-the-art managed care and Return-to-Work programs are available.

• Umbrella
Any time you serve the public, you take the risk of being sued. Umbrella protection provides you additional limits of liability protection over and above the limits of your business, automobile, and employer’s liability policies.

Professional Liability Coverage for Law Offices

Now you can get all the insurance coverage your firm needs from Global Risk. All your property and casualty coverage from one insurance company.
Write one check and know that your business insurance headaches are over.
Now you can get Professional Liability coverage at competitive prices through one of the most respected names in the insurance industry…..Global Risk Services.

Our industry-leading small business package policy covers law offices for a wide range of liability and property risks including:

• Business Liability.
• Building and Business Personal Property.
• Flexible, Tailor-Made Optional Upgraded Coverage.

To make this program even more comprehensive, Professional Liability coverage can now be added to the business insurance package. Get the reliability and financial stability of national insurance carriers and the ease and convenience of one policy and one bill. We’ve even streamlined the application and made it quick and easy to complete.

• Coverage for firm attorneys, “of-counsel” and non-attorney employees.
Our expanded definition of who is an insured covers attorneys, those designated as of counsel and non-attorney employees such as paralegals, legal secretaries, etc.

• Full Prior Acts Coverage.
Subject to underwriting, we will provide prior acts coverage.

• Innocent Insured Coverage.
If only one person performs the dishonest act, we defend and cover the other insureds within the firm. The policy excludes coverage for fraudulent and dishonest acts.

• Flexible Deductibles.

• Awareness Provision allows you to report “incidents” that may potentially lead to a claim. This provision allows you to report an incident that may lead to a claim and we will deem the claim made at that time and honor the date when you report the incident to us.

Other Important Coverages

• Expanded definition of professional services for acts as a title agent, abstractor, arbitrator and mediator.This important protection extends coverage to other services provided, including acting as title agent, arbitrator, etc.

• Multiple extended reporting periods available by endorsement. If coverage is cancelled or nonrenewed, you may not wish to buy prior acts coverage from a new carrier or may not be continuing coverage. In that case, you may extend the reporting period:

- 1, 2, 3 and Unlimited years.
- Unlimited years at no cost when insured retires (after 3 years of coverage).
- Unlimited years available for death and disability.

• Worldwide coverage.
This coverage applies to claims brought in courts in the United States and Canada, regardless of where the act occurred.

Quality Coverage and Claim Service