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Business General Liability Insurance

It’s a simple reality that anyone who comes into contact with you or your employees while you’re conducting business can file a claim or lawsuit against you for any number of reasons — from physical injuries to wrongful termination.

That’s why we offers small business general liability insurance, which can help with challenging situations and the associated costs of legal defense and legal damages, up to policy limits selected for covered claims.

Because every agent is also a small business owner, each one has an understanding of some challenges faced by small businesses like yours. They can offer insights and discuss commercial general liability insurance options as you choose customizable coverage options for your company.

Here are some business liability risks you may want to manage — and potential solutions:

Injuries

Risk:
A customer trips on a fixture at your business and is injured.

Coverage:
Premises and operations insurance can help with hospital bills and damages — as well as coverage for your business if the customer sues for negligence.

Lawsuits

Risk:
A former client files and wins a lawsuit over work performed by your company.

Coverage:
Products and completed operations insurance can help with the defense costs and — in some cases — the legal damages for which you may be responsible.

Data breaches

Risk:
You lose confidential business and customer data when your computer system is hacked.

Coverage:
Cyber liability and data breach can help provide you with legal and forensic assistance to attempt to recover stolen data, as well as ongoing data security consultation to help you manage cyber risks.

Disgruntled employees

Risk:
A disgruntled former employee — or even an applicant you didn’t hire — brings a legal action against your company.

Coverage:
Employment Practices Liability can help cover your business entity, directors and employees if you are accused of wrongful termination, harassment, discrimination or other employment-related offenses.

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