Full Commercial General Liability

The Full Commercial General Liability Policy provides the insurance protection needed to pay damages for bodily injury or property damages for which the insured is legally responsible.

Commercial General Liability policies are written on an “occurrence” form. The occurrence form covers bodily injury or property damage claims that occur during the policy term, regardless of when the claim is reported.

Included in this policy:

Premises/Operations      

Coverage is provided for damages arising out of ownership or occupancy of the insured premises when not maintained in a reasonable manner. This also covers damages arising out of operations performed by the insured business.

Products/Completed Operations

Products coverage is provided for damages arising out of products manufactured, sold, handled or distributed by the insured. Completed Operations covers damages occurring after operations have been completed or abandoned, or after an item is installed or built and released for it’s intended purpose.

Medical Expenses

Medical payments coverage pays medical expenses resulting from bodily injury caused by an accident on premises owned or rented by the insured, or locations next to such property, or when caused by the insured’s operations. These payments are made without regard to the liability of the insured.

Fire Damage

The fire damage limit provides coverage for fire damage caused by negligence on the part of the insured to premises rented to the named insured. If a fire occurs because of negligence of the insured and causes damage to property not rented to the insured, coverage would be provided under the occurrence limit.

Personal/Advertising Injury

Personal Injury means injury other than bodily injury. Coverage is provided for injury resulting from offenses such as false arrest, malicious prosecution, detention or imprisonment, the wrongful entry into, wrongful eviction from and other acts of invasion, or rights of private occupancy of a room. Coverage for libel and slander is also provided in the policy.

Other Coverages/Endorsements included in this policy (at no cost):

Contact STICO Mutual for more information.


Optional Endorsements:

Professional Liability Endorsement

Contractor’s Liability Endorsement

Accidental Short Term Pollution Endorsement

Blanket Per Project Aggregate Endorsement

This summary of coverages is not intended to be a complete list of all coverages, terms or conditions present in the actual policies. It is prepared solely for your convenience. Please refer to your policies for a complete listing of all coverages, terms and conditions.

Testimonials

  • " As the evolution of insurance market continues to change and affect our businesses, STICO's willingness to recognize these changes and adapt in a positive manner has allowed us to feel confident in our decision to trust STICO as our general and pollution liability insurance partner."
  • "STICO Mutual has excellent industry knowledge. Coverages and claims management are innovative and industry-specific."
  • "STICO Mutual remains relevant to our business because they know our business."
  • "I know our company has benefited on more than one occasion because of the prompt expert response."
  • "STICO stays relevant because they continue to search out and offer new services meaningful to our industry."
  • "STICO has kept our premiums stable and very competitive, especially when you consider the dividends."
  • "During the past 20+ years, STICO has expanded the insurance offering to handle more of our insurance needs."
  • "We also are in the petroleum equipment business and operate a sales, installation and service business serving the needs of owners of motor fueling systems. STICO has again developed specialized insurance that meets the unique needs of this industry."
  • "STICO actively manages claims professionally and keeping us involved in the process to get a resolution in a timely and cost efficient manner. There is never a time that we do not know the status of a claim and the steps being taken to resolve it."
  • "With knowing and understanding the risk of this industry, STICO has developed programs for increasing levels of limits in a cost effective manner that provides a level of protection needed today. "
  • "Industry focus has kept STICO relevant for over 20 years."
  • "For the more common insurable exposures, a number of fine companies offer good coverage at equitable cost . My challenge is to find the right underwriter and adjuster for the higher risk (actual or perceived) exposures. STICO's tight focus, deep understanding, solid commitment, competitive cost and proven results meet this challenge. "
  • "Insurance is not a commodity - it is a valuable, sometimes critical, transfer of risk and promise of service. Within its area of expertise, STICO delivers, making it a dependable resource, for me and for my clients."
STI SPFA