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Business Owners Package

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The General Liability and Property Package coverage is the most basic type of commercial insurance and is limited to liability claims of bodily injury or property damage. Coverage is provided for accidents on your premises or at your customer's location. You and your employees are covered if, for example, you physically damage a client's server. Some client contracts also refer to these policies as Comprehensive Commercial Liability. It is important to remember that these policies exclude errors and omissions type claims related to the delivery of your professional services.
Typically offered as a general liability and property package policy, coverage is also provided for theft or destruction of your company's computer hardware and software and other assets (see property coverage) such as office furnishings and equipment up to a specified amount.
General liability coverage may be described in your contract in this way: "Supplier will maintain at its expense: Comprehensive General Liability Insurance or Commercial General Liability Insurance policy limits shall be not less than a Combined Single Limit for Bodily Injury, Property Damage, and Personal Injury Liability of $1,000,000 per occurrence and $2,000,000 aggregate."

To better understand your insurance needs and obtain the service that is best for you, please contact Utopia Insurance Service right now at (877) 867-1467.
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