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American Insurance Agency

 

General Liability Insurance



Liability insurance is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the other insurance contract.

 

In general damage caused intentionally is not covered under liability insurance policies.

 

When a claim is made, the insurance carrier has the duty (and right) to defend the insured. The legal costs of a defense normally do not effect policy limits unless the policy expressly states otherwise; this default rule is useful because defense costs tend to soar when cases go to trial.

 

Please call us or click for an insurance coverage review.

 
Did you know? You can get coverage even if you have experienced losses