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Business Liability Insurance
What is Liability Insurance?
With today's litigious society, every business needs liability protection, from the most common "slip and fall" lawsuit to the more complex Product/Completed Operation liability coverage.
Many of your most serious risks may be excluded from your policy, requiring special coverage to protect your company against devastating claims.
Common Coverages
- Business Liability Coverage
Covers you for amounts you may become legally obligated to pay others as the result of your actions,
including premises, operations, products and completed operations.
- Personal Injury Coverage
Including libel, slander, defamation of character, wrongful eviction and invasion of privacy.
- General Liability Per Job Aggregate
Every liability policy has an aggregate limit which will be reduced each time a claim is made or paid.
With the per job aggregate it will increase this coverage on a per job basis.
- Employment Practices Liability Insurance
Over the last few years, the number of employee complaints pertaining to discrimination, harassment and wrongful termination has increased dramatically.
Even organizations with an unbroken record of spotless management behavior are vulnerable to expensive lawsuits.
This coverage insures against such legal judgements. Sometimes the cost to defend such claim far exceeds the judgements.
- Products & Completed Operations
Applies to liability from work you do and/or products you manufacture or sell.
This risk may be excluded from your general liability coverage.
- Professional Liability
This is not just for the doctors and lawyers anymore.
Any type of business that provides a service may require this coverage to protect against claims related to work they perform for a fee.
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