Insurance Agency Since 1934
Highland, IN independent insurance agency
Get clear on general liability with a Highland agency. We help you understand what it pays for, what it leaves out, and what a landlord or customer contract is really asking you to carry.
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Send us the contract language you need to satisfy and we will check limits and endorsements.
Third-party bodily injury and property damage claims arising from your business operations or premises, and often related legal defense, up to the policy limits. Advertising injury is commonly included.
Injuries to your own employees (workers compensation), vehicles you use for business (commercial auto), professional mistakes (professional liability), and damage to your own property or tools. Pollution and some other exposures are often excluded as well.
Policies list a per-occurrence limit and an annual aggregate. Contracts often specify minimums, commonly with an umbrella to reach higher totals. Compare both numbers against what your contracts require.
Good to know
A certificate summarizes your coverage for a third party such as a customer, landlord, or general contractor. It is proof that a policy exists, not part of the policy, and it does not change what the policy covers.
It extends certain protection under your policy to another party, usually named in your contract. The exact wording of the endorsement matters, so give us the contract language rather than a general request.
An occurrence policy responds to injury or damage that happens during the policy period. A claims-made policy responds to claims reported during the period. General liability is commonly written on an occurrence basis, but confirm which one you are buying.
Generally no. A landlord’s policy usually covers the building. Many leases require tenants to carry their own general liability and to name the landlord as an additional insured.
Share these and we can work from the actual requirement:
Our office at 3026 45th Street in Highland serves Highland, Hammond, Griffith, Schererville, Merrillville, Crown Point, Dyer, Munster, and nearby Northwest Indiana communities.
Many owners package this with property coverage in a business owner’s policy. Tradespeople, see contractor insurance.
Coverage terms, exclusions, availability, and pricing vary by company and by risk, and not every company will quote every situation. This page is general information, not a policy or individualized advice.
Ready for a clearer review?
Clarify limits, certificates, exclusions, premises exposure, and customer-facing risk before renewal decisions lock in.