LIABILITY INSURANCE PRODUCTS
General Liability
- It's the most common and foundational coverage that protects against bodily injury, property damage, and personal / advertising injury to third parties.
- Essential for businesses of all sizes.
Business Liability
- Businesses often need multiple types of liability coverage depending on their operations.
Commercial Auto Liability
- Covers damages caused by vehicles used for business purposes.
Cyber Liability
- Protects businesses from data breaches, hacking, and other cyber-related incidents.
Employer's Liability and Workers Compensation
- Covers employee injuries on the job and protects employers from related lawsuits.
Employment Practices Liability (EPLI)
- Covers claims related to employee rights, such as discrimination, harassment, or wrongful termination.
Professional Liability (Errors & Omissions, E&O)
- Covers professionals against claims of negligence, mistakes, or failure to deliver promised services.
- Common for consultants, real estate agents, doctors, insurance / financial advisors, etc.
Product Liability
- Protects manufacturers, distributors, and retailers from claims related to defective products that cause harm.
Liquor Liability
- For businesses that manufacture, sell or serve alcohol. Covers injury or damage caused by intoxicated patrons.
Umbrella Liability
- Provides extra coverage above and beyond the limits of other liability policies.