01
General Liability
Essential coverage for bodily injury and property damage claims.
- Premises liability
- Products liability
- Completed operations
- Advertising injury
Business coverage
Casualty Insurance
Comprehensive liability protection for individuals and businesses
Overview
Complete Liability Protection
Casualty insurance is essential for protecting yourself and your business from liability claims and lawsuits. At United Insurance Group, we provide comprehensive casualty coverage that shields you from financial loss due to legal liability.
Our casualty insurance policies cover a wide range of risks including bodily injury, property damage, professional errors, and legal defense costs. We work with you to identify your specific liability exposures and create a customized insurance solution.
Types of Casualty Insurance
Protect against various liability risks
02
Professional Liability
Protection against claims of professional errors and omissions.
- Errors & omissions
- Malpractice coverage
- Legal defense costs
- Settlement coverage
03
Auto Liability
Coverage for vehicle-related accidents and injuries.
- Bodily injury liability
- Property damage liability
- Uninsured motorist
- Medical payments
04
Workers' Compensation
Mandatory coverage for employee work-related injuries.
- Medical expenses
- Lost wages
- Disability benefits
- Death benefits
Industry-Specific Solutions
Tailored casualty insurance for your industry
01
Healthcare
Medical malpractice and healthcare liability coverage.
02
Construction
Contractors liability and construction risk protection.
03
Retail
Retail liability and customer injury protection.
04
Manufacturing
Product liability and manufacturing risk coverage.
05
Technology
Tech E&O and cyber liability protection.
06
Hospitality
Restaurant and hotel liability coverage.
Comprehensive Coverage Features
01
Legal Protection
- Defense costs coverage
- Settlement negotiations
- Court representation
- Expert witness fees
- Appeal bond coverage
02
Bodily Injury Coverage
- Medical expenses
- Pain and suffering
- Lost wages compensation
- Rehabilitation costs
- Funeral expenses
03
Property Damage
- Third-party property damage
- Loss of use coverage
- Repair or replacement
- Diminished value claims
- Environmental damage
Proactive Risk Management
Beyond insurance coverage, we help you implement effective risk management strategies to prevent claims and reduce your liability exposure.
01
Risk Assessment
Comprehensive evaluation of your liability exposures
02
Safety Training
Employee safety programs and training resources
03
Contract Review
Help with insurance requirements in contracts
04
Loss Control
Strategies to minimize claims and reduce premiums
Questions
Frequently asked questions
Still unsure? Call (866) 628-9441 or email contact@uigagency.com.
What's the difference between property and casualty insurance?
Property insurance covers physical assets like buildings and equipment, while casualty insurance covers liability for injuries or damage you cause to others.
Do I need both general and professional liability?
It depends on your business. General liability covers common risks, while professional liability is essential if you provide professional services or advice.
What are typical liability limits?
Common limits range from $1 million to $5 million per occurrence, but higher limits are available through umbrella policies for additional protection.
How are casualty insurance premiums calculated?
Premiums are based on factors including your industry, business size, claims history, coverage limits, and risk management practices.
Protect Your Business from Liability Risks
Get comprehensive casualty insurance coverage tailored to your needs.