We know how important your business is to you and how hard you worked to make it a success.

TopLine is committed to helping to protect your business by finding liability insurance tailored to your needs and staying within your budget. TopLine has experience with liability insurance for a diverse range of professions, like real estate, consulting, contracting, health and wellbeing, IT, and beauty. We’ll do the work, based on your needs, allowing you to concentrate on running your business.

What is general liability insurance?

If you own a business, you need general liability insurance. It is the most basic form of insurance coverage that a business has to protect itself. It typically covers your business from claims that could arise from your normal business activities.

What does general liability insurance cover?

• Bodily injury
• Damage to third party property
• Personal injury
• Advertising injury
• Electronic data liability
• Medical expenses
• Defense costs
• Actions of your full-time employees and temporary staff
• Supplemental payments

What does general liability insurance not cover?

• Your property
• Vehicles and boats
• Personal identifiable information
• Professional services
• Employee / worker’s compensation
• Intent to injure
• Coverage outside policy period
• Known claims prior to start of policy

If you’re a builder this is an essential safeguard.

However, it’s also frequently misunderstood because there are no standard policy forms for builders risk and the coverage varies from insurer to insurer, as well as, from project to project. That’s where TopLine can not only help you get the coverage that’s right for your project, but also walk you through the fine print.

What is builders risk insurance?

Builders risk is specialized property insurance designed for buildings under construction. Because every construction project is different, no two builders risk policies are alike. Every construction project has a unique set of risks and needs associated with it.

In general builders risk insurance typically covers losses due to:

• Fire
• Lightning and hail
• Explosions
• Hurricanes
• Theft
• Vandalism
• And many other risks

In general builders risk insurance does not cover losses due to:

• Earthquake
• Flood
• Wind (in beach zones)

You can purchase coverage extensions for projects in locations that are vulnerable to these types of risks.

Did you know, that if you leave your home for weeks, it will most likely void your homeowners insurance coverage?

That’s because a vacant/unoccupied house has a much higher risk of theft, vandalism, fire, or weather-related hazards, but your homeowners insurance premium is based on a lower-risk scenario where your property is presumed occupied.

Most often, insurance companies consider your house “unoccupied” or “vacant,” if it’s left empty for 60 days or more.

When should I have vacant home insurance?

• The home is being renovated
• It’s for sale and awaiting buyers
• The home is a secondary/vacation house
• The home is for rent and is awaiting tenants
• The homeowner is taking an extended trip
• The homeowner is receiving extended medical treatment

The most common coverages for vacant home insurance are:

• Named Peril Coverage – Fire, wind, hail, vandalism, smoke, sprinkler leakage, lightning, explosion, etc.
• Vandalism and Malicious Mischief Coverage – Physical damage or defacing of the home.
• Landlord Flexibility – Means there’s no need to cancel a policy and get a new one when a tenant moves in. You can easily change a vacant home insurance policy to landlord policy, or an owner-occupied policy if you decide to move in.