Excess & General Liability Insurance

Restaurants — Jones Group Insurance Services in Marietta, GA

General Liability Insurance

If you have a personal umbrella liability policy, there are generally exclusions for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General liability pays losses arising from real or alleged bodily injury, property damage or personal injury on your business premises or arising from your operations. Jones Group Insurance Services' liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.
Jones Group Insurance Services offers a broad range of general liability protection.
  • Bodily injury, including the cost of care, the loss of services and the restitution for any death that results from injury
  • Property damage coverage for the physical damage to property of others or the loss of use of that property
  • Products – completed operations coverage provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or a service your company provided
  • Products liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
  • Contractual liability extends to any liability you may assume by entering into a variety of contracts
Jones Group Insurance Services will compile a commercial property insurance line to include insurance protection for:

Excess Liability Insurance

There are many kinds of excess liability insurance policies that one can look for. Jones Group Insurance Services can offer a wide range of excess liability policies that suit both individuals and large corporate holdings. Insurance companies, in consultation with loss control and risk controlling professionals, draw up customized excess liability insurance plans and policies to suit individual and corporate needs. As such, insurance companies are even in the business of making specific risk assessments and proposing practical remedies to prevent and mitigate losses.
The advantages are many. Excess liability insurance policyholders can look for specific benefits under their respective schemes. Almost all their policies offer coverage against injury and property damage caused by the policyholder. They also offer additional protection against claims arising from slander, false eviction, libel, false arrest and so on. What's more, in some cases, the holder can receive additional funds to meet legal defense costs and so on. In some situations, one can avail the benefit even when a lawsuit is groundless or not covered by the underlying policy.
Jones Group Insurance Services is here to protect you. Excess liability insurance, or umbrella liability insurance, is needed for all businesses to mitigate risk in the event of a catastrophic loss. An excess liability policy covers your business should a claim be filed against your company that exceeds the limits of your existing liability coverage. For example, if your general liability policy covers $1,000,000, and a $1,500,000 claim is brought to you, an excess liability policy could take effect.
In addition to protection of general liability coverage, excess liability insurance may add to commercial auto and worker's compensation policies.
Many companies who operate in Georgia are required to carry a certain amount of coverage, but excess liability coverage IS important for ALL businesses. We live in a society where lawsuits are common and judgments can be huge. 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. For a free excess liability quote from Jones Group Insurance Services, you can call us today at 678-933-7873.