Shield Against Business Liability

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General Liability Insurance

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Construction Insurance

Regardless of your role in the construction business—whether you’re an artisan contractor or a demolition expert—count on the National Indemnity group of insurance companies to help protect you.

We write general liability policies for commercial and residential construction, including multi-unit dwellings. And, we insure many contractors and craftsmen like those who have just begun their construction business, stucco contractors, roofing contractors and custom-home builders.

General Liability Construction Categories Include:

  • Artisan Contracting
    Examples: Residential and commercial carpenters, drywallers, roofers, painters, welders, plumbers, finishing work
  • Building Construction & Modification
    Examples: Residential, commercial, apartment construction and conversion, condominium construction and conversion, restoration, moving structures
  • Construction
    Examples: Boom trucks, mobile truck cranes, cement pumpers, dump trucks, service trucks, fuel trucks, water trucks
  • Concrete & Masonry
    Examples: Residential, commercial, finishing, foundations, raising foundations, waterproofing
  • Excavation & Demolition
    Examples: Blasting, wrecking, excavation
  • Exterior Work
    Examples: Plastering, stucco, painters, EIFS application
  • General Contracting
    Examples: On-demand construction, real estate development
  • Landscape Construction
    Examples: Earth movement, retaining walls, sidewalks, painting, fences, excavation, landscapers, right-of-way maintenance
  • Road & Utility Construction
    Examples: Grading land, road, water & sewer lines, utility work, flagging

Coverages:

Here are some common coverages to consider:

  • Liability
    Our general liability coverage is divided into two categories of liability coverage: Bodily Injury & Property Damage Liability coverage and Personal & Advertising Injury Liability coverage.
    • Bodily Injury & Property Damage Liability
      Bodily Injury & Property Damage Liability coverage pays for bodily injury and property damage for which you are liable up to the policy limits you choose. This coverage does not pay for damages caused by the use of an auto; for that you need one of our auto insurance policies. This coverage is subject to certain other exclusions as well. Please contact your agent for further details.
    • Personal & Advertising Injury Liability
      Personal & Advertising Injury Liability coverage pays for damages caused by a personal and advertising injury for which you are liable up to the policy limits you choose. Personal and advertising injury includes false imprisonment, malicious prosecution, wrongful eviction by a landlord, slander, libel, copyright infringement in your advertisements, and certain other offenses.
  • Medical Expense
    Medical Expense coverage pays for medical bills for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.

Limits Available: We offer higher limits than many insurers. You may be eligible for Liability limits as high as five million dollars. Contact your agent for details and availability.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

General Liability – Installation, Service & Repair Insurance

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You are in the business of assisting others, helping them stay productive, safe, comfortable or entertained. Whether your specialty is installation or service & repair, let the National Indemnity group of insurance companies assist you with a general liability policy that can offer protection and peace of mind.

General Liability Installation, Service & Repair Categories Include:

  • Heavy Machinery Installation & Repair
    Examples: Industrial machinery, farm equipment, crane repair, sign & tower installation
  • Appliance Installation
    Examples: HVAC (heating, ventilating, and air-conditioning), home appliances, septic tanks
  • Safety & Security Installation
    Examples: Alarm installation, fire suppression
  • Amusement installation
    Examples: Swimming pools, playground equipment

Coverages:

Here are some common coverages to consider:

  • Liability
    Our general liability coverage is divided into two categories of liability coverage: Bodily Injury & Property Damage Liability coverage and Personal & Advertising Injury Liability coverage.
    • Bodily Injury & Property Damage Liability
      Bodily Injury & Property Damage Liability coverage pays for bodily injury and property damage for which you are liable up to the policy limits you choose. This coverage does not pay for damages caused by the use of an auto; for that you need one of our auto insurance policies. This coverage is subject to certain other exclusions as well. Please contact your agent for further details.
    • Personal & Advertising Injury Liability
      Personal & Advertising Injury Liability coverage pays for damages caused by a personal and advertising injury for which you are liable up to the policy limits you choose. Personal and advertising injury includes false imprisonment, malicious prosecution, wrongful eviction by a landlord, slander, libel, copyright infringement in your advertisements, and certain other offenses.
  • Medical Expense
    Medical Expense coverage pays for medical bills for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.

Limits Available: We offer higher limits than many insurers. You may be eligible for Liability limits as high as five million dollars. Contact your agent for details and availability.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

General Liability – Manufacturing & Distributing Insurance

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The role manufacturers and distributors play in our economy cannot be understated—neither can the importance of making sure your company’s future is protected. Whether you make products or just ship them, count on the National Indemnity group of insurance companies and our general liability coverage to help safeguard against the unexpected.

General Liability Manufacturing & Distributing Categories Include:

  • Machinery & Machinery Parts
    Examples: Industrial machinery, farm machinery, automobile parts, tools
  • Chemicals
    Examples: Alternative fuels, gasoline, diesel, LPG, paint & varnish
  • Construction Goods
    Examples: Doors, windows, trusses, custom metalwork, sod
  • Household Goods
    Examples: Clothing including flame-retardant clothing, furniture including infant furniture, toys, games, sporting goods

Coverages:

Here are some common coverages to consider:

  • Liability
    Our general liability coverage is divided into two categories of liability coverage: Bodily Injury & Property Damage Liability coverage and Personal & Advertising Injury Liability coverage.
    • Bodily Injury & Property Damage Liability
      Bodily Injury & Property Damage Liability coverage pays for bodily injury and property damage for which you are liable up to the policy limits you choose. This coverage does not pay for damages caused by the use of an auto; for that you need one of our auto insurance policies. This coverage is subject to certain other exclusions as well. Please contact your agent for further details.
    • Personal & Advertising Injury Liability
      Personal & Advertising Injury Liability coverage pays for damages caused by a personal and advertising injury for which you are liable up to the policy limits you choose. Personal and advertising injury includes false imprisonment, malicious prosecution, wrongful eviction by a landlord, slander, libel, copyright infringement in your advertisements, and certain other offenses.
  • Medical Expense
    Medical Expense coverage pays for medical bills for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.

Limits Available: We offer higher limits than many insurers. You may be eligible for Liability limits as high as five million dollars. Contact your agent for details and availability.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

General Liability – Stores & Rentals Insurance

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Accidents happen. Don’t let them jeopardize your restaurant, retail or rental venture. Whether you’re a butcher, a baker or a ... well you get the idea, our general liability coverage can serve as your financial safety net.

General Liability Store & Rental Operation Categories Include:

  • Restaurants
    Examples: Restaurants with less than 50% alcohol sales, bakeries, coffee shops
  • Retail Stores
    Examples: Grocery stores, convenience stores, hardware stores, pet stores
  • Auto Repair & Service
    Examples: Auto part stores, tire stores, repair shop, car wash, service station, quick lube, gas station
  • Rentals
    Examples: Bicycles, jet skis, boats, ATVs, snowmobiles, construction equipment, horses
  • Amusement Device Rentals
    Examples: Inflatables, bounce houses, boogie boards, beach chairs & umbrellas

Coverages:

Here are some common coverages to consider:

  • Liability
    Our general liability coverage is divided into two categories of liability coverage: Bodily Injury & Property Damage Liability coverage and Personal & Advertising Injury Liability coverage.
    • Bodily Injury & Property Damage Liability
      Bodily Injury & Property Damage Liability coverage pays for bodily injury and property damage for which you are liable up to the policy limits you choose. This coverage does not pay for damages caused by the use of an auto; for that you need one of our auto insurance policies. This coverage is subject to certain other exclusions as well. Please contact your agent for further details.
    • Personal & Advertising Injury Liability
      Personal & Advertising Injury Liability coverage pays for damages caused by a personal and advertising injury for which you are liable up to the policy limits you choose. Personal and advertising injury includes false imprisonment, malicious prosecution, wrongful eviction by a landlord, slander, libel, copyright infringement in your advertisements, and certain other offenses.
  • Medical Payments
    Medical Expense coverage pays for medical bills for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.

Limits Available: We offer higher limits than many insurers. You may be eligible for Liability limits as high as five million dollars. Contact your agent for details and availability.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

General Liability – Transportation Insurance

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Even if the bulk of your business takes place “on the road,” auto coverage alone may not be enough to fully protect your company’s assets. That’s where general liability coverage comes in, an effective way to fortify your defenses.

General Liability Transportation Categories Include:

  • Gas & Fuel Delivery
    Examples: Gasoline, diesel, oil, LPG
  • Passenger Transportation
    Examples: Taxi, charter bus, limousine
  • Auto Repossession
    Examples: Tow truck, drive away operation
  • Pilot Cars
    Examples: Escort vehicles guiding large loads
  • Truckers
    Examples: For hire trucking, moving company
  • Road Maintenance
    Examples: Street cleaning
  • Driver Schools
    Examples: Vocational, truck training
  • Off-Road Operations
    Examples: Large construction equipment, oversized dump trucks, off-road coal haulers

Coverages:

Here are some common coverages to consider:

  • Liability
    Our general liability coverage is divided into two categories of liability coverage: Bodily Injury & Property Damage Liability coverage and Personal & Advertising Injury Liability coverage.
    • Bodily Injury & Property Damage Liability
      Bodily Injury & Property Damage Liability coverage pays for bodily injury and property damage for which you are liable up to the policy limits you choose. This coverage does not pay for damages caused by the use of an auto; for that you need one of our auto insurance policies. This coverage is subject to certain other exclusions as well. Please contact your agent for further details.
    • Personal & Advertising Injury Liability
      Personal & Advertising Injury Liability coverage pays for damages caused by a personal and advertising injury for which you are liable up to the policy limits you choose. Personal and advertising injury includes false imprisonment, malicious prosecution, wrongful eviction by a landlord, slander, libel, copyright infringement in your advertisements, and certain other offenses.
  • Medical Payments
    Medical Expense coverage pays for medical bills for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.

Limits Available: We offer higher limits than many insurers. You may be eligible for Liability limits as high as five million dollars. Contact your agent for details and availability.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

General Liability – Miscellaneous Insurance

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General liability concerns aren’t limited to one type of industry or one sector of society. That’s why the National Indemnity group of insurance companies offers general liability coverage for a varied mix of operations, including those that are a bit tougher to classify.

Miscellaneous Categories Include:

  • Community Premises
    Examples: Apartments, condominiums, homeowners associations, townhome associations, landlords, fraternities & sororities, clubs, schools
  • Recreational Premises
    Examples: Lakes, beaches, dams, ponds, swimming pools
  • Security
    Examples: Security guards, security patrols, detective agencies
  • Landscaping
    Examples: Landscapers, lawn care, right-of-way maintenance
  • Maintenance
    Examples: Janitorial contractors, floor waxing, snow removal
  • Towers
    Examples: Radio or cell phone tower
  • Consultants & Researchers

Coverages:

Here are some common coverages to consider:

  • Liability
    Our general liability coverage is divided into two categories of liability coverage: Bodily Injury & Property Damage Liability coverage and Personal & Advertising Injury Liability coverage.
    • Bodily Injury & Property Damage Liability
      Bodily Injury & Property Damage Liability coverage pays for bodily injury and property damage for which you are liable up to the policy limits you choose. This coverage does not pay for damages caused by the use of an auto; for that you need one of our auto insurance policies. This coverage is subject to certain other exclusions as well. Please contact your agent for further details.
    • Personal & Advertising Injury Liability
      Personal & Advertising Injury Liability coverage pays for damages caused by a personal and advertising injury for which you are liable up to the policy limits you choose. Personal and advertising injury includes false imprisonment, malicious prosecution, wrongful eviction by a landlord, slander, libel, copyright infringement in your advertisements, and certain other offenses.
  • Medical Expense
    Medical Expense coverage pays for medical bills for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.

Limits Available: We offer higher limits than many insurers. You may be eligible for Liability limits as high as five million dollars. Contact your agent for details and availability.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

National Indemnity group of insurance companies


National Indemnity Company
National Fire & Marine Insurance Company
National Indemnity Company of Mid-America
National Liability & Fire Insurance Company
National Indemnity Company of the South
Columbia Insurance Company