General Liability Insurance

Liability is legal responsibility for damage to another party's person or property. If an accident occurs on your premises for which your business is found liable, you can expect to owe money damages to the person whose person or property was harmed.

Because accidents or injuries are difficult to predict and damage awards can be enormous, liability insurance is perhaps the most important coverage for any business. A multi-million dollar judgment can disrupt — if not bankrupt — many businesses. These judgments are entirely possible in today's lawsuit environment.

Goodwill Financial liability insurance protects an insured person or company from a wide variety of exposures. This insurance usually covers legal obligation arising out of injuries or damage suffered by members of the public, customers, tenants and others.

Please feel free to contact our representative today for a detailed quote to protect your business with general liability insurance.

Workers Comp Insurance

Workers comp covers your employees' medical expenses and lost wages if they're hurt on the job. It is a compromise: Benefits are paid regardless of who is to blame for the accident or injury.

There's no room for horseplay, drunken stumbling, or illegal drugs, though — if any of those lead to an injury, workers comp insurance won't pay. The same goes for self-inflicted injuries, and for injuries incurred while a worker is off the job, committing a crime, or violating company policy.

Your state mandates how much coverage you, the employer, must buy, and what percentage of the employee's salary you'll pay if he or she misses work due to a work-related injury.

That's were Goodwill Financial can help with years of workers comp experience. We can help guide your company into a cost effective workers comp solution.

Please contact our representative today for a detailed quote.

Commercial Auto Coverage

Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others.

Just as you need personal auto insurance for your own car, you need business auto insurance to cover your business-owned or leased vehicles. If you or any of your employees have an accident in your business's car, you may be liable for bodily injuries, lost wages or any damage caused. Commercial auto provides protection for your business's assets in case of such an occurrence.

Please contact our representative today for a detailed quote.

Builder’s Risk

This is a policy that is designed to provide coverage for buildings while under construction. It covers the contractor’s interest in materials at the job site before they are installed, materials in transit intended for the job and the value of the property being constructed until it is completed and accepted by the owner.

The policy may be written to cover the whole structure for new construction or the cost of remodeling and renovation projects. It can also be used to cover specific projects such as a new room addition, a deck or a remodeled kitchen.

Please contact our representative today for a detailed quote.