Managing Risks & Protecting Assets

When you operate your business, you expose yourself to risk. Injuries to customers, damage to others' property, or lawsuits can happen. It's a fact of life. But you can take precautions that help mitigate those risks.

FCCI’s commercial general liability insurance helps business owners manage risks and protect business assets. The exact coverage you need depends on the size and nature of your business, the location in which you operate, and many other factors. You can purchase additional coverage through FCCI’s Premier Package Policy or FCCI’s First Choice Contractors Liability Endorsement. Your agent and FCCI underwriter will work together to ensure your coverage meets your business needs.

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General Liability Policy Enhancements

Premier Package Policy℠

FCCI's Premier Package PolicySM offers broad business coverage tailored to meet industry-specific needs including manufacturing, wholesale/distribution, restaurants, professional services and more.

Some enhancements include:

  • Automatic coverage for additional insured when required in written contract
  • Medical Expense limit increases to $10,000 per person
  • Per location aggregate
  • Waiver of subrogation when required in written contract

First Choice Liability Endorsement

The First Choice Contractors Liability Endorsement, FCCI's preferred endorsement for the construction industry, provides an optional package of coverages that may be added to a general liability policy.

Some enhancements include:

  • Automatic additional insured status for owners, lessors, state agencies and others when required in written contract 
  • Per project aggregate limit 
  • Waiver of subrogation when required in written contract

EPLI Spotlight

More than half of all Employment Practices Liability claims are made against small businesses that often don’t have formal HR departments or deep enough pockets to cover defense costs. Employment Practices Liability Insurance (EPLI) is a must for small to medium-sized business owners to protect assets in the event an employment claim is filed against your business.

FCCI’s EPLI coverage protects businesses from charges and lawsuits related to claims of discrimination, sexual harassment, wrongful termination and other unlawful employment practices. Available as an endorsement to FCCI's general liability policy, this coverage is an affordable alternative to a stand-alone EPLI policy.

Our Employment Practices Liability coverage includes a Loss Prevention website full of resources to help businesses avoid situations that can lead to an employment action. We also have a toll-free legal advice line for our policyholders.

See our Employers Edge risk control resource

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