Liability Insurance - Business

Because Accidents Happen - Be Ready for Them

No matter how careful you are, running a business means dealing with risk. One accident, one lawsuit, or one claim can cost thousands - or even shut your business down. That’s why Liability Insurance is one of the most important coverages you can carry.

Whether it’s a customer injury, property damage, or a legal dispute, liability insurance helps protect your business financially and legally - so you can focus on running your company with confidence.

What Is Liability Insurance?

Liability insurance protects your business when it’s held responsible for causing harm to others - including bodily injury, property damage, or legal claims tied to your operations, services, or products.

It helps cover:

• Legal defense and attorney fees
• Settlements and court judgments
• Medical bills
• Repair or replacement costs
• Claims of libel, slander, or negligence

Types of Liability Insurance we Offer:

• General Liability Insurance
• Essential coverage for most businesses.
• Covers third-party injuries, property damage, and advertising injury claims.
• Professional Liability (Errors & Omissions)
• For businesses that provide advice or services.
• Protects against claims of mistakes, missed deadlines, or failure to deliver services.
• Product Liability Insurance
• For manufacturers, wholesalers, or retailers.
• Covers claims from injuries or damage caused by your product.
• Cyber Liability Insurance
• For businesses handling sensitive data.
• Covers costs related to data breaches, ransomware, and cyberattacks.
• Employer’s Liability Insurance
• Often included with workers’ comp.
• Covers legal claims from employees for work-related injuries or illnesses.

Who Needs Liability Insurance?

If your business:

• Works with customers in person
• Sells or manufactures products
• Provides professional advice or services
• Advertises or markets your brand
• Stores client or employee data
• Owns or leases commercial property

Custom Coverage for Real-World Risks

Every business is different. We work with companies of all sizes and industries to build custom liability insurance packages that reflect your actual exposure - no more, no less.

We’ll also help you understand:

• Required coverages for leases or contracts
• Policy limits and deductibles
• Bundled options for better value