General Liability Insurance

More than 20 years of experience, long-standing carrier relationships, a strong market presence, and quality claims capabilities enable A.D. Martin Commercial Insurance to provide businesses throughout New Jersey, Delaware, and Pennsylvania with a total liability insurance solution. Furthermore, our extensive experience in analyzing risk allows us to determine what type of Liability coverages you need and how much.

Liability insurance includes a broad category of coverages that protect businesses from devastating costs associated with injury to someone outside your company or damage to their property. General Liability insurance is the most common, but the standard policy usually specifically excludes errors and omissions; employment practices liability; directors and officers liability; and pollution liability. For those risks, you need specific policies that address those particular issues.

At A.D. Martin, we’ll conduct a thorough review of your business with an on-site visit to pinpoint areas of potential risk.

We will perform an analysis of your prior loss history as well as your existing Liability policy to find out if your coverage is adequately protecting you against the exposures you face. There may be gaps in coverage, or in some cases the coverage amount may be inadequate for the types of risks your business faces. Ultimately, we may determine that increased policy limits, broadening coverage, or other additions are appropriate to ensure you have an insurance program that is truly comprehensive.

We’ll also review your contractual agreements to make sure you are not exposed to any hidden risks, and determine what exposures to which you’re vulnerable and how to best protect against them.

Our staff will provide you with guidance as to what other types of liability coverages you should include to augment your protection, including: Directors & OfficersErrors & OmissionsEmployment Practices LiabilityUmbrella/Excess Liability and others.

We look at risk from all angles.

A.D. Martin provides business insurance throughout the counties of Atlantic, Cape May, Gloucester, Salem, Cumberland, Camden and Burlington in New Jersey; New Castle County in Delaware; and Chester, Philadelphia and Delaware Counties in Pennsylvania.