General Insurance Offerings

Liability insurance is a type of insurance that provides coverage for a business against claims of bodily injury, property damage, and personal injury. It is designed to protect a business from financial loss in the event that a customer, vendor, or other third party is injured or suffers property damage as a result of the business’s operations. liability insurance can also provide coverage for legal fees associated with defending against such claims.

There are several key benefits to having general liability insurance for a business. First and foremost, it can provide peace of mind to business owners, knowing that they are protected against potential financial losses resulting from lawsuits, costly legal fees, and settlements. Ultimately, liability insurance is an essential type of coverage for any business that interacts with customers, vendors, or other third parties. Without it, a business is leaving itself vulnerable to potential financial losses resulting from lawsuits. Cornerstone can shop the market to find the right level of coverage to protect your specific business.

Property insurance is an important type of insurance that protects a company’s property against damage or loss caused by events such as fire, theft, vandalism, and natural disasters. It covers a wide range of assets, including buildings, equipment, furniture, inventory, and other physical property owned by the business. This type of insurance is particularly important for small businesses that may not have the resources to quickly recover from a major loss.

With property insurance, businesses can have peace of mind knowing that their assets are protected against unexpected events that could otherwise lead to significant financial losses. The coverage typically includes reimbursement for the cost of repairing or replacing damaged property, as well as any lost income resulting from the loss of use of the property. Some policies may also cover additional expenses related to the loss, such as temporary relocation costs. Getting the right mix of coverage for the money you’re willing to pay can be difficult. Trust Cornerstone to use our expertise to navigate identifying what level of protection makes the most sense for your particular situation.

Worker’s compensation insurance is a type of insurance that provides benefits to employees who suffer work-related injuries or illnesses. This insurance is mandatory for businesses in most states in the United States. The purpose of worker’s compensation insurance is to protect both employers and employees. Employers are protected from lawsuits by employees who are injured on the job, while employees are protected by receiving benefits such as medical expenses, lost wages, and disability benefits.

Worker’s compensation insurance covers a wide range of work-related injuries and illnesses, including physical injuries such as broken bones, burns, and cuts, as well as illnesses caused by exposure to toxic substances or repetitive motion. The insurance also covers mental illnesses such as post-traumatic stress disorder (PTSD) and depression caused by work-related stress. Businesses that are considered high-risk, such as construction companies and manufacturing plants, will pay higher premiums than those in lower-risk industries. 

Overall, worker’s compensation insurance is an essential type of coverage that helps protect both employees and employers. By providing financial support to employees who are injured or become ill due to their work, this insurance can help ease the financial burden for all parties involved. For businesses, having worker’s compensation insurance coverage in place can also help protect their financial interests and minimize the risk of costly legal battles. Cornerstone can find you the right coverage for the right price.