Liability Insurance

• Commercial General Liability
• Auto Liability
• Professional Liability
• Fiduciary Liability
• Pollution Liability
• Employment Practices Liability
• Employee Benefits Liability
• Director & Officers Liability

There has never been a more litigious society in the history of humanity than present day America. Some argue that this is a good thing, some disagree. Regardless of which side of the issue you are on, your company's need for protection against both legitimate and frivolous litigation is indisputable.

Liability coverage forms are quite complex and impose many restrictions on coverage and many conditions which you must meet in order to activate the coverage that is being provided. Coverage provisions and conditions in one policy may alter or restrict coverage in another. Properly tailored, the policies should fit together much like a jigsaw puzzle. A lack of intimate familiarity with all or any one of the pieces can be absolutely devastating.

Most insurance agencies cannot legally provide policy abstracts or comparisons, they are not qualified or licensed to do so. As a consequence, their obligation to make sure the policies fit together properly is very limited.

At Paye, Fischer & Krause we have both the authority and expertise to design and build a program of liability risk management and insurance that works the way it should, that is unless you like surprises.