As the name implies this coverage pertains to very broad coverage other than automobile. Protection for injuries or property damage sustained while on your premises, using your products or services, or because of a breach of contract are some of the more customary types of risk this coverage is intended for. This policy can also include many options specific for your type of business (ie: pollution; environmental; underground; professional).

For standard transportation business operations the basic policy is usually sufficient coverage. If your operations include fuel tanks on your premises then it is wise to include a limited form of pollution coverage. For freight forwarders or custom house operations a form of professional liability coverage may be appropriate.

Significant policy conditions are contained within this policy that must be reviewed with your insurance broker to make sure there are no gaps in protecting your operations.

Policy limits run the gambit from $300,000 on up; however, the usual policy limit sets each occurrence at $1mm and a policy aggregate of $2mm. Higher limits are available as necessary for your particular need.

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