Every business faces liability risks. Business liability insurance protects your company from financial losses that can arise from lawsuits, property damage, or injuries related to your business operations.
The most essential coverage for any business. Protects against: bodily injury claims, property damage claims, personal and advertising injury, medical payments, and legal defense costs.
If you manufacture, distribute, or sell products, product liability coverage protects you from claims arising from products that cause injury or harm.
Covers claims for injury or property damage that occur after your work is completed — particularly important for contractors and service businesses.
Covers injuries that occur at your business location — a key component of General Liability for retail, restaurant, and office businesses.
Most small businesses start with a $1 million per occurrence / $2 million aggregate General Liability policy. Higher-risk businesses, those with government contracts, or those required to show higher limits by clients may need $2–5 million or more.
Commercial Umbrella policies allow you to cost-effectively extend your limits well beyond your primary policy.