General Liability

As a business owner, every transaction you complete can result in either a profit, or a risk. 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, including court costs and the resulting award, if any is made. Imagine the peace of mind you’d have being free from worry about the attorney costs as a liability case grinds on.

Liability insurance is for any business that could face potential lawsuits. There are four distinct types that you may need, depending on your business, and your willingness to tolerate risk of financial loss:

• Commercial General Liability
• Professional Liability
• Directors and Officers liability
• Commercial Crime Business Personal Property
• Business Owner Property (BOP)

There are other risks that can be covered, including:

• Property damage and data loss should you accidentally spill coffee on a client’s server that causes data loss, or a tree falls on their car in your parking lot.
• Bodily injury should a client trip and fall over your briefcase, or lose footing on a slippery floor, and you’re found legally liable for their injury.
• Personal injury should an employee talk to a fellow employee of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy’s limits of liability, and pay for an attorney to defend you if necessary.

Workers Comp Insurance

Keeping your employees safe at work is important to most business owners. But when a worker does suffer an injury, workers compensation coverage provides your employees with the protection they need, and provides you with peace of mind.

For more information on Business Insurance guidelines check out this Consumer Guide

Protect your business. Ask about different types of insurance for you and your staff.  Let us customize a plan that fits your business. A little planning today could save a lot of time in the future.  We’re here to help!