Business Liability Insurance

As a business owner, every transaction you complete is fraught with peril.

Protecting your business from the impact of potential customer lawsuits should be the first order of business. And while only a precisely crafted liability insurance policy can shield your business from this expense and stress, it’s usually the last thing business owners handle.

What does business liability insurance cover?

Liability insurance covers the costs of legal fees. Imagine the peace of mind you’d have knowing that in the event of a claim, your assets are safe.

Liability insurance is appropriate for any business that could face potential lawsuits. There are four types that you may fit your needs:

  • Personal Liability
  • Business Liability
  • Professional Liability
  • Public Liability

There are other risks that may be covered, including:

  • Bodily injury
  • Property damage
  • Personal injury

Worried about the cost?

Our firm specializes in covering local businesses just like yours. We have everything you need, including:

  • Monthly payment options
  • Coverage of temporary staff:
  • Past work
  • Worldwide coverage
  • Claims responsiveness
  • Tailored coverage
  • Knowledgeable agents
  • Coverage for contracts
  • Fast and simple

Business owners insurance is built to protect your unique business.

Get property and liability coverage with business owners insurance.

Why do you need business owners insurance?

Because your business faces the unexpected on a daily basis, there are always risks involved. Whether it’s the risk of damage or loss to your property or customers, you can help protect your business from the unexpected with an insurance policy. With the coverage and convenience of business owners insurance, you may be able to minimize property and liability risks so you can focus on the future of your business.

Two coverages in one policy for your business.

A business owners insurance policy, or BOP, combines business property and business liability insurance into one convenient policy. Your business faces a variety of risks unique to your industry, but there are certain coverages that businesses need regardless of their size or business type. Having a BOP helps you safeguard your business by helping to protect what you’ve built.

Protect the property of your business.

The first type of coverage in a BOP is property insurance. Property insurance may cover risks associated with your premises, equipment, and vehicles. In addition, it may often include any associated loss of business. This is essential coverage because it may help protect your business, assets, and income. For instance, here are a few of the coverages to consider in your business owners insurance policy:

  • Accidental Damage
  • Fire
  • Flood
  • Loss of Income
  • Property Loss/Damage
  • Theft

Get liability coverage for your business.

The second type of coverage in a BOP is business liability insurance. Business liability insurance may cover personal injuries to people you deal with and damages to their property. However, it’s important to note that liability insurance usually doesn’t cover risks related to professional services—meaning damages that result from you giving clients inaccurate advice, for instance. The liability coverage included in your business owners insurance policy is important, especially if:

  • You meet your clients at your business or theirs.
  • You have physical access to your clients’ equipment.
  • There is a risk of injury to people or damage to their property.

Insurance coverage for your specific business.

Getting a business owners insurance policy means covering these risks in a single policy, which may significantly reduce stress and help bring you peace of mind. Policies are typically tailored to help cover your specific needs, and pricing varies depending on your business. However, it’s usually cheaper than buying separate policies for both commercial property and liability coverage.

Understanding your unique business needs.

Finding a business owners policy that works for your specific business is important so you can help protect your business, income, and assets. With this protection, you can worry less about the risks involved in your business day-to-day, and put more of a focus on the future of your business.

If you run a business, consider the benefits of a business owners insurance policy. Contact us to go over your business needs and coverage options.

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

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