General Liability
Commercial general liability is a foundational liability coverage. It can respond to certain claims alleging bodily injury, property damage, and personal or advertising injury caused by covered business operations.
Why Parker asks questions
Where the company works, the type of work performed, subcontractor use, contractual obligations and completed operations can all affect underwriting and coverage discussions.
Commercial Auto
Commercial auto addresses vehicles used in the business. Depending on the policy, it can include liability and selected physical damage coverages.
Information that matters
Vehicle schedules, driver lists, radius, garaging, vehicle type, hauling activity, loss history, MVR controls and hired/non-owned exposures may all be relevant.
Workers' Compensation
Workers' compensation provides benefits for covered work-related injuries and occupational disease as required by applicable law, together with employers liability coverage subject to the policy.
Information that matters
Payroll, employee duties, classifications, work locations, subcontractor use, safety practices and loss history are common underwriting inputs.
Commercial Property
Commercial property can cover insured buildings, business personal property and other scheduled property against covered causes of loss.
Look beyond the building limit
Valuation method, deductibles, wind/hail terms, coinsurance, ordinance or law, equipment breakdown, business income and protective safeguards may deserve attention.
Umbrella / Excess Liability
Umbrella or excess liability may provide additional limits above certain underlying policies. Forms vary, so the underlying schedule, exclusions and follow-form language matter.
Inland Marine / Equipment
Inland marine is often used for property that moves: contractors equipment, tools, installation materials, leased equipment and property in transit.
Pollution / Environmental
Pollution exposures can be restricted under standard liability policies. Specialized environmental coverage may address certain cleanup costs and third-party claims depending on the form.
Cyber Liability
Cyber policies can address certain first-party and third-party costs arising from cyber incidents, privacy events and network security failures. Coverage and underwriting requirements vary widely.
How Parker helps
The value is not memorizing insurance definitions. It is connecting the coverage conversation to the way your business actually operates and identifying what needs a deeper review.
Request a Coverage Review