Business Liability Insurance that will cover you!

Liability insurance protects you in the event that someone claims that your business caused him or her harm.  Your liability insurance pays damages to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits.  Typically these damages include compensatory damages, medical bills, nonmonetary losses suffered by the injured party, and punitive damages.  Liability insurance also pays the cost of your legal defense.

Additional liability policies to consider:

  • Business catastrophe liability (or umbrella policies) provides coverage over and above your other liability coverages. It is designed to protect against unusually high losses. For the typical business, the umbrella policy would provide protection over and above general liability and auto liability policies.
  • Specialized liability insurance policies are designed to meet specific needs required by some businesses. They include Errors and Omissions Insurance (E&O)/Professional Liability Insurance, Employment Practices Liability Insurance (EPLI) and Directors and Officers Liability Insurance (D&O).
  • Fidelity insurance protects business owners against dishonest employees. Companies that allow certain employees access to confidential information may benefit from obtaining fidelity insurance. Fidelity insurance covers unauthorized activities on the part of employees, asset protection, external fraud and technology risks. Fidelity insurance is also called bonding because the fidelity bond reimburses the business owner for damages caused by dishonest employees.
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