Commercial General Liability and Business Property Insurance Marsh USA Property and Casualty Insurance
Marsh USA Inc. is the insurance broker for Independent Business Owners (IBOs) for commercial general liability and business property insurance for all participating members of the Independent Business Owners Benefits Association (IBOBA).
See full brochure.
General liability insurance protects IBOs against occurrences of bodily injury, property damage, personal injury and advertising injury during the conduct of their Independent Business. The IBOBA insurance program provides IBO policyholders the ability to quickly obtain certificates of insurance showing coverage, as needed for any event or meeting.
Business property insurance protects IBOs against losses resulting from physical damage to personal property from any external cause, except as excluded. The personal property must be used primarily in the conduct of the IBO business. Even when operating an Independent Business from home, the business personal property may be uninsured without a commercial policy.
Only applies to operations directly related to IBO business as described in IBO Plan for North America
- Business Property Insurance Coverage - $50,000 maximum limit ($250 deductible)
- Contingent Business Interruption Coverage - $50,000 maximum limit ($5,000 deductible)
- Business Liability Coverage - $1,000,000 per occurrence, $2,000,000 aggregate (no deductible)
- Coverages subject to additional coverage limits, sub-limits, restrictions, conditions, exclusions as more fully described in annual IBOBA Insurance Program brochure (and actual policies)
Certificates of Insurance requests, claims services, or other questions should be directed to
Marsh USA Inc.,
125 Ottawa NW, Suite 400
Grand Rapids, MI 49503
or call (800) 548-9175; fax (616) 233-4317;