Services

Have questions about an existing insurance policy or looking for additional coverage in North Carolina? Let Moser Insurance Group earn your business by helping you make the right decisions for yourself, your family, and/or your business.

Serving: Greensboro, High Point, Winston Salem, Burlington, Archdale, Trinity, Asheboro, Randleman, Raleigh, and Charlotte, NC.

Medicare Advantage

If you are 65 and receiving Social Security retirement benefits or Railroad Retirement benefits, you will be automatically enrolled in both Medicare Part A and Part B.

You do not need to contact anyone. You will receive a package in the mail three months before your 65th birthday with your new Medicare card and a letter explaining how Medicare works and that you have been automatically signed up for both Medicare Part A and Part B.

The letter will also explain that your monthly Part B premium will be automatically deducted from your Social Security check or railroad retirement check beginning the month your coverage begins. You will be given the option to turn down Part B.

Once you receive your Introduction to Medicare package, you have some decisions to make. That’s when we come in!

While Medicare covers most healthcare expenses, it doesn’t cover everything. Medicare beneficiaries are responsible for a number of copayments and deductibles, which can easily add up to thousands of dollars. If all you have is Original Medicare, you’ll need to pay these costs out-of-pocket.

Private insurance companies have a bit of flexibility in designing Medicare Advantage plans, so you’ll find many differences between MA plans. This means you need to be a bit more careful comparing options to make sure you don’t overlook anything.

Many of these plans also include your Part D prescription drug coverage as part of your coverage, which means that you will not need to buy an additional Part D insurance policy. There are also plans that offer extra vision, hearing, and dental coverage.

Still a little confused? Contact us today! Everyone has different needs and there are a ton of competitive options in the market. We’ll be happy to go over your Medicare options and help you decide which type of coverage best suits you and/or your family.

Affordable Healthcare Plans

You may know Affordable Care Act (ACA) plans as major medical, comprehensive coverage, or even “Obamacare,” but however you name them, these plans meet all the requirements of the ACA and are typically the most comprehensive on the market. These plans can help prevent exhausting expenses if you have a chronic illness or face a medical emergency.

ACA plans provide benefits for a broad range of inpatient and outpatient health care services and can save you money on routine doctor visits, prescription drugs, preventative care, hospital stays, and more. You can’t be denied based on preexisting conditions and these plans are available to almost everyone.

Medicare Supplements

Medicare Supplement Plan G: What are the Facts?
Summary: Medicare Supplement Plan G is one of the most popular Medicare Supplement plans. This plan covers:
Medicare Part A coinsurance and hospital costs
Medicare Part B coinsurance or copayment
Blood (first 3 pints)
Part A hospice care coinsurance or copayment
Skilled nursing facility care coinsurance
Part A deductible
Part B excess charges
Foreign travel emergency (80%)

What Does Medicare Supplement Plan G Cover?
Medicare Supplement Plan G covers most of the out-of-pocket costs that Original Medicare leaves you open to, with one exception. With Plan G, you will need to pay your Medicare Part B deductible. The Part B deductible for 2021 is $203.

In their initial research phase, many people compare Plan G to Plan F, which covers the Part B deductible. However, the premiums for Plan G tend to be considerably less than that of Plan F. Because of this, many people find that even after they pay their deductible, Plan G is still the more cost-effective option.

Keep in mind: if you become eligible for Medicare in 2020 or later, you will not be able to get Plan F. This means that Plan G will be the plan with the most comprehensive coverage available to you. Additionally, you will have the option to sign up for a High Deductible Plan G. If you currently have a Plan F and are considering switching, we can help you evaluate your options.

Does It Matter Which Company I Select?
Medicare Supplement plans are completely standardized, so the benefits will be the same from company to company. All Medicare Supplement plans, including Plan G, are standardized in the following ways:

Benefits – You don’t have to worry about which company offers the best or most benefits. The benefits of a Plan G will be the same regardless of the company you select.

Doctor’s Network – Medicare Supplement insurance companies don’t have their own doctor’s networks. Their plans are only supplements to your primary Medicare Parts A & B coverage. Your network is the nationwide Medicare network, so, you don’t have to worry about whether one company has a better doctor’s network than another.

Claims-Paying Process – The Medicare Supplement claims process is highly automated. It is easy for you to use the coverage, and most people never see any paperwork. Once Medicare approves your claim, they will pay their portion and notify your provider of what they owe. The company must then pay the amount due per Medicare’s instructions. Due to the automation and standardization in this area, every company is equal in its claims-paying history.

To make it simple, Medicare is your primary coverage. The plans that each Medicare Supplement insurance carrier offers are identical from company to company, because they are standardized by the government.

So, How Do I Decide Which Company to Choose?

Selecting a company can be confusing, but there are two factors that can help you narrow down your decision. We recommend that you check the AM Best ratings for the companies you are comparing to ensure that the company has a positive standing, and then select the company that offers the lowest premium. To make this process easier for you, GoMedigap agents only work with top-rated companies, and we pride ourselves in finding low premiums for our clients.

When Can I Get Medicare Supplement Plan G?
Most people sign up for Plan G during their Open Enrollment, the 6 month after you enroll in Medicare Part B. If you currently have a Medicare Supplement plan, you can apply to switch carriers or plan letters any time of the year. Changing your carrier can save you money, so even if you already have Plan G, it is prudent to review your options every year.

Nothing on this website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Life Insurance (Term/Whole Life)

Common types of life insurance:

Term Insurance
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

Permanent Insurance
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional

Annuities

What Is an Annuity and How Does It Work?
In its simplest form, an annuity is an agreement in which you make one or multiple payments in exchange for receiving a set amount of income for a period of time. They’ve been around for a long time and are commonly used by conservative retirees who want to make sure that they’ll have a regular income for the rest of their lives. Even though annuities are a way to invest money, they’re actually an insurance contract and therefore are only sold by insurance companies.

How Do Annuities Work?
Money that’s held in an immediate or a deferred annuity can be invested in three basic ways and are either called fixed, variable, or indexed:

A fixed annuity pays out a fixed rate of return on your money. It’s a guaranteed, predictable income stream, no matter what’s going on in the financial markets.

A variable annuity pays out a variable rate of return on your money. The income stream usually has a minimum guaranteed amount, but can increase depending on the performance of the underlying investments that you select, such as stocks or mutual funds, for instance.

An indexed annuity pays out a rate of return on your money that’s tied to an economic index, such as the S&P 500. It’s considered a hybrid of the fixed and variable types because you receive a minimum guaranteed payment, but can also enjoy a higher return when there are gains in the broader market.

What Are the Different Kinds of Annuities?
In addition to annuities having different investment options, there are also a number of different kinds of annuities. Annuities are classified in a variety of ways and are segmented by features such as:

the way you pay premiums;
when you start receiving income;
the length time you receive income; and
tax status.

The variety of all the features and options can make understanding annuities a little challenging; but we’re going to make it easy. The two broadest annuity categories are immediate and deferred.

What Is an Immediate Annuity?
An immediate annuity provides income right away—or at least within a year after you buy it. You plunk down a big lump sum payment, which is also called a single premium, and start receiving an income stream from that money each month. For example, let’s say you receive a life insurance payment of one million dollars after taxes and you want to create a monthly income from investing that money in an annuity. At immediateannuities.com you can see what your monthly payment would be based on your age and gender. If you were a 40-year-old female, for instance, a one million dollar annuity would give you about $4,400 a month right now.

What Is a Deferred Annuity?
The other broad category of annuities is a deferred annuity, where you receive income at a future date. You make one or multiple contributions during the annuity’s “savings phase” and then receive income either as periodic payments or as a lump sum during the “distribution phase.” So it’s similar to a retirement account where you set aside money that you access in the future. In fact, you can own a deferred annuity inside of a retirement account, such as a traditional IRA, 401(k), or 403(b).

Get Financial Advice About Annuities
There’s a lot more to consider when it comes to annuities, such as taxes and estate planning, so please contact us today about whether buying an annuity fits into your long-term financial strategy.

Final Expense

Final expense insurance is an affordable option for life insurance, making it accessible to many individuals.

Final expense insurance offers several benefits, such as covering end-of-life expenses like funeral costs and medical bills. It can also provide financial support to your loved ones during a difficult time and prevent them from having to pay for these expenses out of pocket.

Burial insurance provides financial protection for your family and comes with several advantages.
Here are some of its key benefits:

 

No medical exam required
While certain types of life insurance policies necessitate a medical exam, burial insurance policies typically do not. As long as you don’t have a serious pre-existing medical condition, you can likely obtain coverage.

Lower premiums
Final expense life insurance rates start as low as $20 per month,*
(See Disclosure) with coverage amounts ranging from $5,000 to $35,000.

Flexible payment options
You have the flexibility to choose whether you want to pay your premium monthly or annually.

Quick approvals
The application process is quick and easy, and coverage can be issued within days, sometimes even on the same day you apply. Once approved, your coverage starts immediately.

 

What Does a Burial Insurance Policy Cover?
Burial insurance policies cover the various costs associated with a loved one’s passing. Since there are numerous expenses related to a death, having final expense coverage is vital.

Here are some essential items covered:

  • Funeral arrangements, including embalming, casket, flowers, and services
  • Burial costs, including cremation, burial plot, headstone, and interment
  • Outstanding medical, legal, or credit card bills

How can I ensure my beneficiary uses the payout for my funeral?
Once the funds have been paid out to your beneficiary, they have the freedom to utilize the money as they see fit. If there is any remaining balance after covering all funeral-related expenses, your beneficiary may allocate the funds towards outstanding medical, legal, or credit card bills in your name. It’s important to choose someone you trust to handle the funds responsibly.

Dental, Vision, Hearing

Maintaining good dental, vision, and hearing health is essential for your overall well-being and quality of life. Unfortunately, many people are struggling with reduced or lost health benefits. This is leaving them with limited coverage or higher expenses. It’s worth noting that basic Medicare doesn’t cover the cost of dental, vision, or hearing expenses. And while some Medicare supplement policies may provide some coverage, it’s possible that it might not be comprehensive.

To ensure comprehensive coverage, it’s crucial to look into additional options like employer-offered or independent insurance plans. These plans can include benefits for regular dental visits, vision checkups, glasses or contacts, hearing aids and related services, prescription drug coverage, and further benefits. It is important to carefully examine the details of each plan before making a selection.

It’s important to find an insurance plan that has comprehensive coverage and gives you access to good providers. This will guarantee you get excellent care and protection. Certain extra plans offer benefits like no waiting periods or exclusions for pre-existing conditions.

Moser Insurance Group recognizes the importance of affordable dental, vision, and hearing care, as well as the impact of increasing healthcare costs. We offer comprehensive and customized insurance plans for employees, self-employed individuals, and retirees. Our dental, vision, and hearing coverage options are designed to meet diverse needs.

Individual Health Insurance

If you don’t have the benefit of an employer-provided health plan or if you’re self-employed, individual health insurance becomes your responsibility. Navigating the world of individual and family health plans can be overwhelming, especially when it comes to understanding copays and coinsurance.

Don’t worry, Moser Insurance Group Inc. is available to assist you. We know that unexpected accidents or health issues can lead to expensive medical bills. That’s why having health insurance is important for peace of mind. Family health plans are a great option for protecting your family’s physical and financial health.

At Moser Insurance Group Inc., we can help you analyze your family’s needs and select a plan that fits your budget. We will also explain the difference between major medical plans, high-deductible health plans, and other industry terms so that you understand what coverages are available to you.

Our health insurance plans come in different types, such as individual and family plans. We’ll work with you to determine your requirements and suggest the best plan. With options ranging from affordable catastrophic plans to comprehensive coverage policies, we have choices for every budget.

We offer personalized health care plans that cater to your unique needs as we recognize that everyone’s health care requirements are different. Our team will collaborate with you to create a plan that fulfills your present needs while also accommodating your potential future needs. We realize that comprehending health insurance can be challenging, and we are here to assist you.

That’s why our team will always be available to answer any questions you may have.

Our team of independent insurance agents in North Carolina can help you apply for tax credit subsidies and find the right health insurance plan for you at an affordable price through the Health Insurance Marketplace established by the Affordable Care Act, also known as ACA or “Obamacare.”

At Moser Insurance Group, we specialize in simplifying the complex world of individual health insurance. Our experienced agents will guide you through the process, answering all your questions and ensuring you have a clear understanding of copays, coinsurance, and other important aspects.
Take control of your health and secure the financial well-being of your family. Contact Moser Insurance Group today to explore your individual and family health insurance options. Our knowledgeable team is dedicated to finding the ideal plan that meets your unique needs and budget.

Don’t delay—reach out to us now and let us provide you with the peace of mind that comes with comprehensive health insurance coverage.

Hospital Indemnity

Are you looking for a healthcare plan that allows you to have more control over your medical decisions?

Hospital indemnity plans, also known as indemnity health plans, offer that flexibility. With these plans, you have the freedom to choose your own doctors and hospitals. While the insurance company will cover a portion of the total costs, you may be responsible for paying for certain services upfront and then seeking reimbursement from the insurance company.

This type of plan also allows you to pay a flat fee for certain services, such as office visits or prescription drugs.

Hospital indemnity plans may be ideal if you want the freedom to make your own medical decisions without the restrictions of traditional health insurance. Indemnity plans can also be used in conjunction with other types of health insurance.

What exactly is Advantage Plus Hospital Confinement Indemnity Insurance?

It’s a specialized insurance policy designed to help fill the gaps in your health insurance coverage. It provides cash benefits directly to you to help offset the costs associated with hospital confinement, ambulance trips, critical accidents, skilled nursing stays, and more.

This means that if you end up being hospitalized, Advantage Plus will provide you with a daily cash benefit ranging from $100 to $750, depending on the plan you choose. You can select a benefit period of 3 days, 6 days, 10 days, or 21 days, which will renew after 60 days without hospital confinement. We also offer a new 1-day benefit option with a daily benefit amount of $1,000 to $2,500.

Why do you need Advantage Plus Hospital Confinement Indemnity Insurance?

This plan provides a budget-friendly option for safeguarding your savings from unforeseen medical expenses that your regular health insurance may not cover, such as co-pays, deductibles, and other out-of-pocket costs. The most significant advantage is that the benefits are paid to you to use as needed.

We understand the importance of having access to quality healthcare at an affordable price. That’s why we offer flexible and customizable hospital confinement indemnity insurance plans. With our plans, you can rest easy knowing that you have a safety net in place in case of an unexpected medical emergency.

Contact Moser Insurance Group today to learn about Advantage Plus Hospital Confinement Indemnity Insurance. It can give you peace of mind and help protect your financial well-being. Don’t leave it to chance.

Our dedicated team of professionals will guide you through the process, answer all your questions, and help you select the plan that best suits your needs. Call us now to secure your financial future by taking control of your healthcare expenses and safeguarding your savings. We will assist you in this process.

Commercial Lines

Having commercial insurance is very important for businesses as it helps protect them from a variety of risks and liabilities. There are many types of insurance policies available that can cover losses, injuries, and even fatalities.

With the right commercial insurance policy, companies are able to cover potential financial losses from events such as natural disasters, property damage, employee injuries, and other risks related to their business operations.

Companies, regardless of size, can benefit from commercial insurance as it provides protection for their assets, covers legal expenses, and helps maintain financial stability during unexpected situations.

To make sure that businesses are adequately protected, it is important for companies to assess their particular risks and determine the most suitable commercial insurance policy for them.

Commercial insurance usually comes in forms such as public liability insurance, employers’ liability insurance, and professional indemnity insurance.

It can be difficult to grasp the insurance requirements for businesses since they differ by state and insurers use inconsistent naming conventions.

For example, coverage for accidental breakdowns of machinery and equipment may be referred to as boiler and machinery insurance by one insurer, while another may call it equipment breakdown coverage or mechanical breakdown coverage. Moreover, certain insurance policies may cover more than what their names imply, such as including protection for computers and office equipment.

To help clarify the range of commercial insurance available, here are some of the types of business insurance coverages offered by Moser Insurance Group:

Business Liability Insurance: This coverage helps protect businesses, employees, and customers in the event of accidents or injuries.

Commercial Property Insurance: It safeguards a company’s physical assets, including buildings, furniture, equipment, and inventory. Even if you operate from a home-based business, you can still obtain commercial property coverage.

Businessowners Policy (BOP): A BOP combines multiple coverages, such as property, liability, and crime coverage, into a tailored package that meets your specific needs.

Commercial Auto Insurance: This insurance protects businesses and employees from damages and accidents related to the use of vehicles for business purposes.

Crime Insurance: It covers losses resulting from criminal activities like theft and forgery.

Business Income Insurance: In the event of temporary business closure, this coverage helps pay bills and cover expenses.

Commercial Umbrella Insurance: It provides additional liability protection beyond standard policies.

Cyber Liability Insurance: This coverage safeguards businesses from damages arising from data breaches, computer attacks, and other cyber-related incidents.

Equipment Breakdown Insurance: It protects businesses from costs and damages associated with breakdowns of computers, electrical systems, and mechanical equipment.

Business Interruption Insurance: This coverage helps businesses recover lost income and continue operations if external factors force temporary closure.

Workers’ Compensation Insurance: Required in most states, it provides protection for employees in the event of work-related accidents.

Accounts Receivable Insurance: It covers businesses against losses resulting from the inability to collect customer payments.

To identify the right commercial insurance for your business, consider several factors. However, every small business, even one operating from a home office, should have property and liability insurance. If your business uses vehicles, then commercial auto insurance is necessary. Also, most states require workers’ compensation insurance if you have employees.

Contact Moser Insurance Group today to discuss your business insurance needs.

Our team of experts will guide you through the process, ensuring that you receive the appropriate coverage tailored to your business requirements.

Call us now to secure the future of your business by getting the appropriate commercial insurance solutions that protect your business, assets, and employees.

Group Health Insurance

Building a successful business in North Carolina can be challenging, but providing affordable and high-quality Small Group Health Plans to your employees doesn’t have to be. At Moser Insurance Group, we specialize in serving small businesses by offering excellent health coverage options. Whether you’re located in the Greater Triad, Greensboro, Charlotte, Raleigh, or anywhere in North Carolina, we are here to prioritize your interests.

We recognize that every business requires different Small Group Health Plans to fulfill their needs and objectives. Therefore, we conduct a comprehensive analysis of your circumstances and suggest the most suitable options. Our team of experts can assist you in selecting appropriate provider networks, plan structures, funding alternatives, and other crucial details at no expense or obligation.

Our priority is to offer outstanding customer service to our cherished clients. We equip our clients with the essential knowledge to choose the best health coverage plan that suits their specific needs, taking into account the quality, cost, and provider networks. Our team is readily available to guide you through the research and evaluation of your options and provide valuable resources to help you make an informed decision.

At Moser Insurance Group, we understand that finding the right health plan for your business is an important task.

PPO HEALTH PLANS, or Preferred Provider Organization Plans, are the most common type of group health insurance. These plans require employees to seek medical care from doctors or hospitals on the insurance company’s list of preferred providers in order to receive the highest level of coverage.

HMO HEALTH PLANS, or Health Maintenance Organization Plans, provide a wide range of healthcare services through a network of exclusive or partnered providers. In an HMO plan, employees typically choose a primary care physician (PCP) who will coordinate most of their healthcare needs and refer them to HMO specialists when necessary.

If you are considering group health insurance for your small business, it’s essential to determine if you qualify for a HEALTH TAX CREDIT.

Small business owners with 25 full-time employees or fewer, earning an average salary of $50,000 or less per year, may be eligible for a tax credit. This federal tax credit can reimburse qualifying small businesses for up to 50% of the premiums they pay for employee medical, vision, and dental insurance. Certain restrictions may apply. Small businesses with fewer than 10 full-time employees and average annual wages of $25,000 or less may qualify for the full credit.

If you’re uncertain whether your business needs Group Health Insurance or if you have additional questions, don’t hesitate to contact us today.

Our knowledgeable team at Moser Insurance Group is ready to provide guidance, answer your inquiries, and help you navigate the complexities of group health insurance. Give us a call now to explore the best health coverage options for your employees and ensure the well-being of your business.

Your success is our priority. Let us help you find the best health plan for your business today.

Employee Benefits

Employee benefits are an essential component of the overall compensation package provided to employees. These benefits go beyond regular salaries or wages and can take various forms, playing a crucial role in attracting and retaining talented individuals.

Some employers provide a range of optional benefits to their employees. Some employers also offer retirement plans or education reimbursement programs that allow employees to save for the future or gain additional skills for career advancement.

Employee benefits are not just intended to provide financial incentives, but also to promote a positive work environment. Vacation days, flexible working arrangements, remote working options and other workplace amenities can all contribute to reducing stress levels and improving general job satisfaction.

In addition to these tangible benefits, employers may offer intangible perquisites that come with the job. These could include training opportunities, career development programs and mentoring schemes. Opportunities for personal growth help employees feel more involved in their jobs and can nurture loyalty towards an organization.

Employee benefits play an important role in creating a supportive atmosphere at work that encourages collaboration and productivity. They are an investment that employers make in the future of their business and should be carefully considered when designing a compensation package. With the right mix of benefits, both businesses and employees can benefit from improved morale, increased commitment, and job satisfaction.

In the United States, there are several popular employee benefits that employers offer:

Health insurance: Providing coverage for medical expenses, including doctor visits, hospital stays, and prescription medications.

Life insurance: Offering financial protection to employees’ beneficiaries in the event of their death.

Dental insurance: Assisting employees in covering the costs of dental care, including check-ups, cleanings, and procedures.

Vision insurance: Supporting employees in maintaining good eye health by covering expenses related to eye exams, glasses, and contact lenses.

Retirement benefits or accounts: Enabling employees to save for their future through retirement plans like 401(k) or pension schemes.

Healthcare spending or reimbursement accounts: Including Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Health Reimbursement Arrangements (HRAs) that allow employees to set aside pre-tax funds for medical expenses.

Long-term disability insurance: Providing income replacement if an employee becomes disabled and unable to work for an extended period.

Short-term disability insurance: Offering temporary income replacement for employees who are unable to work due to illness, injury, or childbirth.

Tuition reimbursement: Assisting employees with educational expenses, encouraging continuous learning and professional development.

Childcare benefits: Supporting employees with childcare costs or offering on-site childcare facilities.

Gym memberships or discounts: Promoting employee well-being and a healthy lifestyle through access to fitness centers or discounted gym memberships.

Wellness programs: Providing resources, activities, and incentives to promote employees’ physical and mental well-being.

Although small to medium-sized employers with tight budgets may find certain benefits difficult to afford, it’s crucial not to completely disregard them. There are various benefit plans and contribution approaches that can assist in managing expenses and making employee benefits more achievable.

At Moser Insurance Group, we understand the importance of designing and implementing effective employee benefits packages that align with your budget and meet the needs of your workforce.

Contact us today to explore the options and find the right employee benefits solution for your organization.

General Liability

Protect Your Business with General Liability Insurance

As a business owner, it’s crucial to safeguard your company from potential legal disputes that can turn into financial disasters. In today’s litigious environment, the risk of lawsuits has significantly increased. That’s why having General Liability insurance is essential, as it provides financial protection in the event your business is sued or held legally responsible for injury or damage.

Depending on the particular General Liability policy, it may provide coverage for professional negligence or errors and omissions claims. This type of insurance is necessary to protect your business from any lawsuits that arise as a result of operations conducted at the premises of your business. In addition, if you have employees, customers or members of the public visiting your place of business- General Liability insurance provides essential protection against any legal expenses related to claims made by them. It is important to understand that this does not cover professional services provided by your company- for which Professional Liability Insurance may be more appropriate.

At Moser Insurance Group, we offer comprehensive General Liability coverage that pays for losses arising from real or alleged:

Bodily Injury: This includes the cost of care, loss of services, and restitution for any resulting deaths.

Property Damage: We cover the physical damage to others’ property or the loss of use of that property.

Our General Liability policy also includes protection for:

Products-Completed Operations: If an injury occurs due to a product your company made or a service it provided, we offer liability coverage for damages and legal expenses up to the policy limit.

Products Liability: This specialized coverage safeguards your company against lawsuits related to product-related injuries or accidents.

Contractual Liability: We extend liability protection to any obligations you assume by entering into various contracts.

Additionally, our General Liability insurance provides coverage for:

  • Reasonable Use of Force
  • Borrowed Equipment
  • Liquor Liability
  • Non-Owned Vehicles (such as aircraft and watercraft)
  • Fire, Lightning, or Explosion Damage
  • Water Damage Liability Protection
  • Legal Defense Costs
  • Medical Payments
  • Personal Injury
  • Advertising Injury

Our specialized liability protection is designed to fit the needs of your specific business type, providing coverage that is tailored to your industry.

To protect your business from potential risks and financial liabilities, reach out to Moser Insurance Group and talk about your General Liability insurance requirements. We have a team of seasoned experts who will assist you in selecting the appropriate coverage for your business’s safety.

Contact us today to learn more.

Your peace of mind is our priority.

Speak with a professional today.

Skip to content