Casualty Insurance

Businesses of all types face a variety of liability exposures.  There are many types of insurance coverages that address these risks, collectively referred to as commercial casualty insurance.  WSC has experience working with many industries and understand that each business is unique.  We'll work with you to pair the right coverages with your business risks, creating a tailor made insurance package that provides the best coverage available.

 The basic casualty components of a business insurance package commonly include:

Other elements that may be relevant to your business include more specialized coverages including:

  • Directors and Officers Liability
  • Employment Practices Liability
  • Cyber Liability
  • Professional Liability (Errors & Omissions)
  • ERISA and Fiduciary Liability
  • Commercial Umbrella

For more information regarding casualty insurance options:

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Basic Casualty Coverages Explained

 

GENERAL LIABILITY INSURANCE

General liability policies are designed to protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

You may want to consider a Business Owners Package, which combines your liability, property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program.  Because we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a commercial umbrella policy. We would be happy to discuss whether these plans make sense for you.

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BUSINESS AUTO INSURANCE

Business auto coverage insures vehicles that are owned, leased, hired or borrowed by your business, whether it is an association, corporation, partnership or sole proprietorship. Business auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a business auto plan that’s right for you and your business.

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WORKERS' COMPENSATION

Workers’ compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers’ Compensation provides for the payment of four types of benefits:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

A representative can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

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