Other businesses and coverage

A few more we write

Garage liability and garagekeepers

Garage liability covers injuries and damage from running a shop. Garagekeepers covers customers' cars while they're in your care.

For example A customer's truck rolls off the lift.

Towing and on-hook

On-hook covers the car you're towing if it's damaged, stolen or catches fire while it's on your truck.

For example A car comes loose from the wheel lift on a hill.

Special events

Covers injuries and damage at a one-time event. Venues often require it, and may want to be named on it.

For example The fairground wants proof of coverage before your car show.

Equipment

Covers machinery and gear that moves from site to site.

For example Your skid steer gets stolen off a job overnight.

Restaurants and liquor liability

If you sell or serve alcohol, your general liability may exclude claims tied to it. Liquor liability fills that gap.

For example A patron you served has a wreck on the way home and the injured driver sues your bar.

Professional liability

Covers claims that your advice or professional services cost a client money.

For example A client blames your bookkeeping for an IRS penalty.

Builders risk

Covers a building under construction and the materials for it.

For example Copper wire walks off the job site the night after it's delivered.

Cyber

Covers breach response and claims after a hack or data leak.

For example A fake invoice email tricks your office into wiring money out.