Commercial Casualty
General liability insurance affords businesses essential protection from the actions of third parties. Under most general liability policies, your business can be protected from lawsuits resulting from the following:
- Injuries that occur on your premises, or sustained as a result of the actions or negligence of your employees,
- Property damage caused by your employees,
- Advertising injury, or
- Bodily injury or property damage.
In order to ensure your company is properly covered, Moreton's team of casualty professionals is dedicated to:
- Benchmarking limits of liability to that of other like, companies to determine adequacy of coverage;
- Analyzing current and historical loss experience to determine claims patterns, evaluate insurers' reserving practices which can adversely impact overall costs;
- Forecasting losses to determine appropriate deductible and/or self-insured retention levels;
- Examining the premium rating schedules for proper classification codes as incorrect ones often times result in higher premiums; and
- Reviewing Umbrella/Excess Liability policy to determine continuity of coverage with underlying policies.