Commercial Property and Liability Insurance

Spiegler Insurance Services will design a program for your Commercial Property, Liability and Umbrella needs that is the most cost effective and comprehensive available. We represent you, our insured, in the negotiation process. Commercial Property, Liability & Umbrella coverage encompass the following:

Commercial Property
Property Insurance is any type of insurance that indemnifies an insured party who suffers a financial loss because property has been damaged or destroyed. Property is considered to be any item that has a value. Property can be classified as real property or personal property. Real property is land and the attachments to the land, such as buildings. Personal Property is all property that is not real property.

Commercial General Liability
The Commercial General Liability Policy provides the insurance protection needed to pay damages for bodily injury and/or property damage for which the insured is legally responsible. The policy provides coverage for liability arising from personal injury and advertising injury. The policy also covers accidents occurring on the premises or away from the premises. Coverage is also provided for injury or damages arising out of goods or products made or sold by the named insured.

Umbrella Liability
Umbrella liability insurance provides excess liability coverage over several of the insured’s primary liability policies. Most umbrella liability policies provide coverage that is broader than the insured’s primary policies.