Liability Insurance

Why you need liability insurance:

When a person or responsible party owns or has control of something that injures someone, bodily or otherwise, or damages the property of others, it is said that the responsible person is liable for the loss or injury. Therefore we all have a need for various forms of liability insurance.

DRickard insurance approaches your liability insurance, also known as casualty insurance, needs with many insurers' products. This means you are given options and choices to make you a satisfied client.

Depending on the specifics of your business there may be several types of liability protections that you need. Often times we can satisfy many of these needs in one policy, thereby saving you time and money.

The types of coverage that may be available depending on your specific situation*:

Personal Liability Policy

Location
Comprehensive
Medical
Bodily Injury
Personal Injury
Property Damage

Business Liability Policy

Location
General
Bodily Injury
Property Damage
Contractual
Products
Completed Operations
Advertising
Personal Injury
Employment Practices
Fiduciary
Management
Consultants
Professional
Errors & Omissions

Municipal

Not-For-Profit

*Please note that not all types of coverage will be available to every insured on every policy. In some cases it may take multiple policies and insurers to create your desired insurance package. Each individual policy must be referred to for specifics of coverage provided. Any comment we make here are illustrative only and your insurer may expand on or diminish the coverage based on the policy language in the specific contract you purchase. Again we advise you that you must read your policy carefully.