General Liability

Comprehensive Coverage for Wide-Ranging Risks

As a responsible organization, safeguarding against potential liabilities is crucial to maintaining operational stability and protecting your assets. TPS General Liability coverage is designed to provide comprehensive protection against the financial losses associated with a wide range of liability exposures, ensuring that you can focus on your core operations with confidence.

Broad Protection for Your Organization

TPS General Liability coverage offers extensive protection against various liability risks, shielding you from the financial consequences of claims arising from premises and operations, products and completed operations, personal and advertising injury, and more. By transferring these risks to our program, you can minimize disruptions and concentrate on delivering exceptional services to your stakeholders.

Tailored Coverage for Your Specific Needs

We understand that every organization has unique requirements, which is why we offer separate coverage documents for schools/colleges and public entities (non-school). This tailored approach ensures that our General Liability coverage addresses the specific needs and exposures of your organization.

Comprehensive Coverage Features

TPS General Liability coverage includes a wide range of valuable features, such as:

1. Broad Definition of Covered Parties: Includes elected or appointed officials, authorized volunteers, and other designated individuals involved in your operations.
2. Corporal Punishment Coverage (for Schools): Provides coverage for claims related to corporal punishment incidents within educational institutions.
3. Fire Damage to Rented Premises Coverage: Protects against financial losses arising from fire damage to premises rented by your organization.
4. Defense Expenses Outside Limits of Liability: Covers defense expenses separately from the policy limits, preserving your coverage for settlements or judgments.
5. Employee Benefits Liability Coverage: Safeguards against claims arising from the administration of employee benefit programs.
6. Incidental Medical Malpractice Coverage: Includes coverage for incidental medical malpractice claims involving nurses and emergency medical personnel.
7. Loss Prevention Services: Access to valuable loss prevention services to help identify and mitigate potential risks.
8. Medical Expense Coverage (Excluding Students and Athletes): Provides coverage for medical expenses incurred by individuals other than students and athletes.
9. Personal and Advertising Injury Coverage: Protects against claims of personal and advertising injury, such as libel, slander, or copyright infringement.
10. Premises Liability Coverage for Jails (Available): Optional coverage for premises liability exposures associated with jail operations.
11. Products and Completed Operations Coverage: Covers claims arising from products manufactured or distributed by your organization or completed operations.
12. Rendering or Failure to Render Aid Coverage (for Schools/Colleges): Includes coverage for claims related to rendering or failing to render aid by non-medical professionals within educational institutions.
13. Flexible Deductibles: Offers deductible options ranging from $0 to $50,000, allowing you to tailor the coverage to your risk management strategies.

With our comprehensive General Liability coverage, you can operate with confidence, knowing that your organization is protected from the financial impact of a wide range of liability exposures. Contact us today to learn more about our tailored coverage options and how we can safeguard your operations.