Your liability coverage applies to people and organizations that have a contract or written agreement with your business. It can also apply to your vendors and anyone who leases equipment to you.
Broad Form Property Damage
Your policy covers many common risks to your property. This extra coverage applies to the risk to property in a contractor’s care, custody, or control, or where work is being performed. The limit for this coverage is $100,000 for each occurrence.
Primary Non-Contributory — Other Insurance Condition
With this endorsement, other eligible people are considered additional insureds on the policy, and we won’t ask for contributions from any other insurance available to them — which might drive up their insurance costs.
Limited Fungi or Bacteria Coverage
Fungi or bacteria can be health risks and can lead to property damage if they are inhaled, eaten, or allowed to grow. Our coverage pays up to $50,000 for harm caused by fungi or bacteria.
Waiver of Transfer of Rights of Recovery Against Other to Us
If we make a payment for your claim, we won’t go after compensation from the person or organization that caused the claim. It can help you save costs when completing a claim.
Product Recall Expense
If you have to pull your product off the shelves as part of a recall, we’ll pay your costs, from removal to repair to disposal. The limit is $50,000, with no deductible.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
8:00 a.m. - 4:30 p.m. (EST)