Business Insurance

Why do I need General Liability insurance?

Business liability insurance protects your business against financial loss resulting from claims of injury or damage caused to others by you or your employees. This coverage excludes coverage for errors and omissions claims related to the delivery of your professional services.

You may not think you needed to protect yourself and your business against non-professional  losses, however, have you ever thought about:

• What if your client requests a ‘Certificate of Insurance’ for General Liability? Do you work with municipalities? 
• What would happen if you lost your laptop?
• What about other business property?
• What if you accidently damaged property (contents) while on a client site?
• What if you accidently hurt somebody while at a client site?

In each of these cases you would be protected if your business was covered by general liability insurance and property insurance.

Choosing the best business insurance coverage requires time and can often be a confusing process.  NAPA has teamed up with InsuranceNoodle, a business insurance aggregator, and Safeco Insurance to find you the most appropriate and affordable coverage available.

Plan Features

At the great rate of around $500 annually, or lower, your business will get a single policy which includes the following coverages:

• $1 million of general liability coverage (per occurrence) ($2 million in aggregate)
• Up to $10,000 in laptop computer coverage
• Business interruption and extra expense coverage p rovided for actual loss sustained for up to 12 months.
• Valuable Papers - $25,000 limit for cost to research, replace or restore information on lost or damaged Valuable Papers.
• Accounts receivable - $25,000 limit
• Property Off-Premises - $10,000 Limit
• Property in Transit - $10,000 Limit
• Fire Department Service Charge - Actual Loss Sustained
• Personal Effects owned by Insured or Insured’s Officers, Partners or Employees - $10,000 each person; $20,000 each occurrence
• Fire Extinguisher Recharge - Actual Loss Sustained
• Seasonal Increase in Business Personal Property - 25% increase
• Computers and Software temporarily off-premises - $2,500 Limit
• Personal Effects owned by Insured or Insured’s Officers, Partners or Employees - $10,000 each person;
• Hired & non-owned auto coverage

Note: Not all coverages are available in all states. Product availability and prices vary by state.