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General & Specialized Liability Insurance

Coverage That Supports How You Do Business

Liability exposures come in many forms. From slip-and-fall claims to product-related injuries, auto accidents, or large-scale catastrophic losses, these risks can quickly become costly. At Dostal & Kirk, we help businesses proactively manage liability through customized coverage strategies rooted in experience, precision, and long-term partnership.

Our approach combines deep expertise in general liability insurance with the ability to design specialized liability insurance solutions for high-exposure or complex risks.

Our Process Is Tailored to Your Needs

Mutual Fit Assessment

Everything begins with a conversation. We take time to learn your goals and priorities before moving forward. If our values and approach align with yours, we continue. If you’re primarily focused on cost-cutting, we may recommend another provider.

Learning Your Needs

We gather documents, review current policies, and perform a full audit of your coverage. For commercial clients, this includes site visits to better understand operational details and risk factors.

Presenting Your Options

Our team develops tailored coverage recommendations and walks you through each option. The goal is clarity so you feel confident in the protection being offered.

Access to a Full Team of Experts

From the beginning, you’re introduced to the full Dostal & Kirk support team. This team-based structure means you’re never relying on just one person and always have access to the right expertise.

Claims Advocacy

If a claim arises, our role is proactive. We guide commercial clients through the process, helping define what to report and how. Sometimes, not filing a small claim is the best long-term strategy. We help you evaluate the options with transparency and your future in mind.

Liability Insurance Options from Dostal & Kirk

General Liability

General Liability

General liability coverage is the foundation of any business insurance program. It protects against third-party claims involving bodily injury, property damage, or personal injury, often stemming from everyday operations. For many companies, this is the starting point but not the stopping point.

Products Liability

Products Liability

For manufacturers, distributors, and sellers, product-related incidents can lead to extensive legal exposure. We help assess your supply chain, label compliance, and product risk to build tailored products liability coverage that supports your operations.

Catastrophe & Umbrella Liability

Catastrophe & Umbrella Liability

Standard limits aren’t always enough. We help businesses extend their protection through umbrella or excess liability policies that cover major incidents or lawsuits that exceed base policy limits. These layers of coverage are critical for preserving financial stability after unexpected, large-scale events.

Fleet Auto & Garage Liability

Fleet Auto & Garage Liability

Your exposure increases significantly if your business operates or handles customer vehicles. We build commercial auto and garage liability policies that reflect how your business runs, taking into account maintenance practices, driver records, and fleet safety protocols.

A Long-Term Approach to Risk

At Dostal & Kirk, coverage is not a one-time transaction. It’s a commitment to understanding your business, identifying areas of exposure, and crafting insurance solutions that evolve as you grow.

If you’re seeking a partner who sees beyond the policy, one who prioritizes clear communication, expertise, and proactive service, let’s talk. Contact Dostal & Kirk today to discuss your general and specialized liability needs.

 

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