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Commercial Liability

Liability insurance protects the assets of a business when it is sued and is the first line of defense against many common claims.

Even the most reputable businesses are at risk of a lawsuit. Liability insurance protects the assets of a business when it is sued and is the first line of defense against many common claims. Covered liability claims include bodily injury, property damage, personal and advertising injury, medical payments and other exposures. As a business owner/executive, keenly aware of the day-to-day accidents that can occur, you need commercial liability insurance, which will allow your business to continue operating in the event you face real or fraudulent claims of certain types of negligence or wrongdoing.

Our team of specialists dig deeper by being on-site, at your place of business, to identify potential risks and exposures. We will build a liability insurance program that protects you and your employees, ensures your risk is classified properly, safeguards your reputation, controls loss and lowers costs. We will be your advocate staying in contact with you throughout the year, periodically reviewing your exposures to help prevent any surprise costs at the end of your policy term.

Areas of Risk Management

Recent Blog Posts

Jun
16th
5 Ways Cyber Insurance Can Help Your Physician’s Practice Manage Cyber Risk

Did you know? To date, in 2017 there have been 133 reported data breaches in the healthcare industry – on average 17,849 records breached per incident. The Ponemon Institute estimates the cost per lost or stolen healthcare record to be about $400. This does not include fines and penalties, which can further increase the cost. […]

Jun
8th
Ever been asked to provide a Certificate of Insurance?

A question I hear from clients often is “How do I get a Certificate of Insurance?” A request for a Certificate of Insurance (COI) may be the most frequent interaction you have with your property and casualty broker or your insurance carrier. If you’ve never had to obtain a COI before, here’s an overview of […]

May
31st
What is a Controlled Group?

When several entities (whether incorporated or unincorporated) share common ownership, a controlled group or common control may exist.  For many IRS benefit plan purposes, a controlled group is treated as a single employer.  For example, the determination of an employer’s size for purposes of COBRA, Medicare Secondary Payer rules and the ACA’s Applicable Large Employer […]

May
25th
PSA’s Office Renovation Improves Employee Engagement, Performance and Client Experience

Research has shown that employees who are highly dissatisfied with their work environment are often the least engaged. And that lack of engagement can often translate to poor customer service and less satisfactory client outcomes. At PSA, we recognize the importance of a favorable work environment for our employees — so they’re equipped to better […]