General and Excess Liability

Does your business have enough liability coverage?
If you are relying on the liability coverage provided through a Business Owner’s Policy (BOP), then chances are you do not have enough. Although a BOP does provide liability coverage for businesses, it is often at a small limit and not enough to cover costs due to claims and lawsuits.
Does your business qualify for general liability coverage?
It is important to know which market your business falls into before you shop for liability insurance. Those businesses that fall into the “excess surplus market” (i.e. “dangerous” occupations such as roofers, siders, etc.) have to purchase excess liability insurance. If your business falls into the “standard market” (i.e. technology companies, lawyers, etc.) then you qualify for general liability insurance.
General liability insurance protects your business from a variety of things. Typically, your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability line:
Business Personal Property (BPP)
Protection of your business’ property from:

  • Fire
  • Theft
  • Vandalism

Claims due to:

  • Bodily injury
  • Property Damage

Terrorism coverage
And more….
General Liability insurance protects a business from many liability issues, but business owners should also consider adding specialized liability coverage like errors & omissions insurance.
Contact The Kimball Group Insurance Services for information on all of the business insurance lines we offer and a free quote on general liability insurance.

Excess Liability / Umbrella Insurance Policies

You’ve worked hard to build your business, and have chosen to purchase a liability insurance plan to protect it. In the event of a catastrophic or sizeable loss that exceeds your general liability insurance limits, umbrella insurance provides an extra layer of protection for your investment. An umbrella, or “excess liability” package will cover your expenses when your business’s general liability, automobile, or workers compensation limits are exhausted.

Not sure if your business really needs umbrella coverage?

To give you perspective: If an automobile accident involves the death or serious injury of an employee, customer, or third party, you could easily exceed the limits of your typical general liability policy.

At The Kimball Group Insurance Services, we know that you want to protect your business, but don’t want to break the bank in the process. Our agency will search the top carriers in the country to find you an excess liability insurance plan with a rate that fits into your budget.

You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free excess liability insurance quote?

Business Insurance

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    Kimball Group Insurance Services
    The Woodlands

    9955 Woodlands Parkway,
    The Woodlands, Texas 77382
    Phone:281-653-7770
    Fax:281-653-7778
    Get Directions
    info@kimballgrp.com

    Kimball Group Insurance Services
    Sugar Land

    54 Sugar Creek Center Blvd.
    Suite 300 Sugarland,
    TX. 77478
    Ph:281-954-4625
    info@kimballgrp.com