General Liability & Excess Liability
We provide general liability and excess liability insurance solutions tailored to a diverse range of business needs. As a foundational coverage, our general liability insurance safeguards your business from claims of bodily injury, property damage and other risks that can arise during normal operations. Our excess liability and umbrella policies provide additional layers of security beyond your primary liability limits to further enhance your protection.
INTEGRITY. QUALITY SERVICE. PERSONAL ATTENTION.
At Lane and Associates, we care about the little things and diligently work to help you reach your goals. Our partners choose us because they believe in our ability to meet and exceed their expectations. We provide insurance products that offer quality protection with value pricing. We strive to establish successful partnerships with our clients, our retail agents and the insurance companies we represent.
At Lane and Associates, we care about the little things and diligently work to help you reach your goals. Our partners choose us because they believe in our ability to meet and exceed their expectations. We provide insurance products that offer quality protection with value pricing. We strive to establish successful partnerships with our clients, our retail agents and the insurance companies we represent.
Program Highlights
Broad Coverage Spectrum
Offering competitive quotes for over 900 classes of business ensures tailored general liability coverage across a diverse range of industries.
Flexible Excess Solutions
With in-house binding authority for over 700 classes, our excess liability and umbrella policies provide extensive coverage options to meet specific client needs.
Rapid Response Service
Fast, reliable and proactive responses to insurance inquiries and claims, ensuring minimal downtime for your business operations.
Competitive Pricing
Leveraging extensive industry knowledge and connections to offer some of the most competitive rates in the market.
Limitations, Minimums, and Deductibles
We provide robust insurance solutions with flexible limits designed to meet the diverse needs of businesses across various industries.
Limitations
- Our general liability coverage safeguards your business with primary limits of up to $3 million per occurrence and a $5 million aggregate, ensuring substantial protection against a wide range of claims.
- Extend your liability protection with excess or umbrella limits available up to $25 million.
Minimums
The minimum premium for general liability starts at $500, making it both accessible and affordable for businesses seeking comprehensive coverage.
For excess liability coverage, this additional layer of security is designed to help manage risks that go beyond the scope of primary policies. Minimum premiums for the added coverage start at $750.
Available Coverages/Classes
These coverages are structured to protect businesses against a wide array of risks, supporting long-term stability and compliance with industry-specific regulations.
Coverages Included
- We offer competitive general liability coverage options for more than 900 classes of business, ensuring that companies from diverse sectors can find coverage that precisely fits their operational needs.
- We provide excess liability and umbrella coverage with in-house binding authority for over 700 classes and are equipped to offer enhanced policy limits swiftly and efficiently.
Need Artisan Contractor’s Liability? Bind with Lane.
Your artisan contractor business has never been easier! Our online rater makes the process faster and will improve your bind ratio.
-
- 91111 Air Conditioning Systems Installation, Service or Repair
- 91127 Alarms & Alarm Systems – Installation, Servicing or Repair
- 91342 Apartment Make Ready Contractors
- 91577 Cable or Subscription TV
- 91340 Carpentry Construction – Residential
- 91341 Carpentry – Interior
- 91343 Carpentry – Shop Only
- 91342 Carpentry NOC
- 91405 Carpet, Rug, Furniture, Upholstery Cleaning – on Customer Premises
- 91436 Ceiling or Wall Installation – Metal
- 91532 Cleaning Outside of Building by Water or Steam Pressure Apparatus
- 98304 Concrete Staining and Painting
- 91629 Debris Removal/Construction Site Clean-up
- 91746 Door & Window Installation – Metal
- 92215 Driveway, Parking Area, Sidewalk Paving or Repaving
- 92338 Drywall or Wallboard Installation
- 92478 Electrical Work Within Buildings
- 92451 Electrical Apparatus
- 94276 Fence Erection Contractors
- 94381 Fire Suppression Systems
- 94569 Floor Covering Installation (Not Ceramic Tile or Stone)
- 95124 Furniture/Fixtures Installation
- 92162 Garage or Automatic Doors/Gates – Installation, Servicing or Repair
- 95410 Grading of Land
- 95505 Guniting or Shot-Crete
- 95625 Handy-person Residential
-
- 95647 Heating and Air Conditioning lnstallation
- 96053 House Furnishing lnstallation NOC
- 96410 Insulation Install – Mineral
- 96408 Insulation Install – Plastic
- 96816 Janitorial Services
- 97047 Landscape Gardening
- 97050 Lawn Care Services – Residential and Commercial Work Only
- 97447 Masonry
- 98111 Office Machines or Appliances lnstallation and Service
- 98304 Painting – Exterior NOC
- 98305 Painting – Interior
- 98344 Paperhanging
- 98449 Plastering or Stucco
- 91342 Remodeling
- 91127 Security Camera lnstallation
- 98805 Septic Tank Systems – Cleaning
- 98305 Shower or Tub Finishing or Refinishing
- 98967 Siding Installation
- 99004 Sign Painting/Lettering – Exterior
- 99003 Sign Painting/Lettering – Interior
- 98993 Sign Erection, Installation and Repair
- 99650 Television or Radio Receiving Set Installation/Repair
- 99709 Tents or Canvas Goods
- 99746 Tile, Stone, Marble, Mosaic or Terrazzo Work – Interior
- 99827 Upholstery NOC
- 99975 Window Cleaning