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General Liability/Umbrella Insurance

Sustaining growth and profitability requires a strong loss control program supported by the strength of General Liability insurance. Infinite Risk Management is well positioned to provide our clients with programs customized to your needs. We will look at your business and operational profile to determine the extent of your exposures and how to address them best. Whether you are a small janitorial firm serving local clients or a transportation company with clients across the country, we have the depth of expertise to help you manage your risk and widen your path to profitability.

We’ll negotiate with our top-tier insurance company partners on your behalf for the most favorable terms and pricing.

Inside a General Liability Policy

A properly procured General Liability policy helps you respond quickly in the event of a loss for which you are responsible, gets you back to focusing on your core operations, and can keep your clients happy. It generally provides the following coverages:

Bodily Injury and Property Damage Liability to third parties (anyone other than you and your employees)
Medical Expenses (such as the cost of calling an ambulance for someone injured on your premises)
Completed Products (i.e., damage caused by your products after you finish creating them)
Contractual Liability (including any liability you assume by entering into leases or other contracts)
Personal and Advertising Injury (such as claims of slander or libel)
Liquor Liability (including liability from events for your employees at which you serve alcohol)

Under an Umbrella Policy

Commercial Umbrella insurance will provide you with an extra layer of security, extending the coverage on your primary Liability insurance policies to pay for costs associated with lawsuits, legal fees, and settlements. If, for example, you have a liability claim that results in a $5 million judgment or settlement, and the limit on your General Liability policy is $1 million, your out-of-pocket costs would be $4 million. With a $5 million Umbrella policy, the remainder of the settlement would be paid for a covered loss, leaving your assets untouched.

We Help Shape Your Risk Readiness

At Infinite Risk, we lean into risk, knowing it’s an integral part of success and growth. We help clients manage risk through customized solutions, education, and insights so they are well prepared as they head into tomorrow. We are ready to do the same for you.

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