No business can afford to be unprepared for a lawsuit.
Liability insurance protects your business assets when the business is sued for something the business did (or failed to do) that contributed to injury or property damage to someone else.
Liability coverage extends not only to paying damages but also to the attorneys' fees and other costs involved in defending against the lawsuit, whether valid or not.
The standard business owners policy provides liability coverage, as does a separate policy known as a commercial general liability (CGL) insurance policy.
Generally, commercial liability insurance, whether purchased in a separate policy, or as part of a standard business owners policy, will cover bodily injury, property damage, personal injury or advertising injury.
The medical expenses of a person (other than an employee) injured at the business or as a direct result of the operations of the business are also covered.
Usually excluded from both types of liability insurance policies are suits by customers against a business for nonperformance of a contract and by employees charging wrongful termination or racial or gender discrimination or harassment.
We recommend you take the time to review your policy coverages as your company grows with your agent or broker. It's also important to shop your insurance premium and coverages to see if you have the best available...
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Insurance
needs are different for each and every client that we
serve. We realize that at times we are judged by
the company we keep. We continually evaluate new
companies that may be an asset to your business or
personal security..
