Why get commercial personal accident?
Protect your business from third-party injury and property damage claims with commercial general personal accident insurance.
Commercial Personal Accident Insurance explained
Commercial Personal Accident is an insurance policy that provides financial coverage for claims of third-party bodily injury and property damage caused by your business resulting from negligence or unexpected accidents. Should your business be sued, this insurance typically covers compensatory damages awarded against you and any legal defence costs, regardless of the lawsuit’s outcome.
What does it cover?
Typically includes coverage for legal costs and damages related to the following coverage areas:
- Bodily Injury Liability: Injuries or damage to a third-party person or property resulting from your business operations.
- Product Liability: Property damage or bodily injury caused by a product you sell or supply.
- Tenant’s Legal Liability: Costs to repair or replace others’ property that you rent or occupy.
- Personal and Advertising Injury Liability: Allegations of defamation, libel,
Why Choose CIB?
- Access to Multiple Carriers
CIB is not tied to a single insurer – we can shop across a wide range to find policies that fit your specific needs and budget.
- Tailored, Personalized Coverage
Rather than cookie-cutter policies, CIB takes time to understand your situation—whether that’s for your home, business, or auto—so coverage aligns precisely with your needs.
- Advocacy and Claims Support
If you need to file a claim or resolve a dispute, CIB acts as your advocate and guide you through the process.
- Expert Advice and Guidance
Our skilled and experienced team explains complex policy language in plain English and help you navigate coverage options with confidence.
- Ongoing Service and Long-Term Support
This includes regular policy reviews, updates as your needs change, and responsiveness when you need help—rather than a one-time sale.