Excess Liability:
You may purchase an Excess Liability policy with limits in increments of $1,000,000. The premium is based on a flat rate and is not subject to audit.
Our Excess Liability policy provides liability limits in addition to the limits found in the Commercial General Liability portion of the policy.
Very Important: Remember, the occurrence limit contained within the Commercial General Liability portion of your policy applies per loss, not per person. If a guest falls down the stairs and you have a $1,000,000 occurrence limit, you have $1,000,000 available for your guest's injury (one loss). If you have a fire in your Inn and 12 people are injured, with a $1,000,000 occurrence limit on your policy, you only have $1,000,000 which applies collectively to all 12 people: $1,000,000 per loss not $1,000,000 per person.
By purchasing an Excess Liability policy, you increase the aggregate and occurrence limits contained with the Commercial General Liability portion of the policy by the limits of the Excess policy.

For instance:

Package Policy Liability Limits
$1,000,000 occurrence
$2,000,000 aggregate

With a $1,000,000 Excess Liability Policy
$2,000,000 occurrence
$3,000,000 aggregate

Workers Compensation:
If you need Workers' Compenation, call us and we may be able to help you get coverage through your State's fund, or through other available sources.

Workers' Compensation provides coverage for an employee/casual laborer if he is injured on the job. The policy provides medical expense coverage, disability, life insurance and rehabilitation. As an owner, you may take advantage of the coverage provided by a Workers Compensation policy by including coverage on yourself.

Please note: Injuries sustained by your employees/casual laborers are excluded in the Commercial General Liability portion of your policy. If you have employees, purchase Workers' Compensation insurance.