Comprehensive Liability Protection for Your Business
Protect your business from third-party claims and professional service liabilities with our comprehensive liability insurance solutions tailored to your industry needs.
General Liability Insurance
General Liability covers third-party claims arising from bodily injury, property damage, or advertising injury linked to your operations or premises. This essential coverage protects your business from common risks associated with day-to-day operations.
General Liability Benefits
Bodily injury coverage for third parties
Property damage protection
Advertising injury claims
Premises liability coverage
Operations-related incidents
Legal defense costs
Who Needs General Liability?
Essential for businesses of all sizes, from retail stores and restaurants to manufacturing facilities and construction companies. Protects against everyday risks of customer interaction and business operations.
Professional Liability (Errors & Omissions)
Designed for professionals and service providers, this insurance protects against claims of negligence, errors, or omissions made in the course of delivering services. It is essential for industries such as consulting, legal, healthcare, and financial services.
Professional Liability Benefits:
- Protection against professional negligence claims
- Errors and omissions coverage
- Misrepresentation or breach of duty claims
- Legal defense and settlement costs
- Reputation protection
- Client relationship security
Industries That Need Professional Liability:
- Consulting: Management, IT, and business consultants
- Legal: Law firms and legal practitioners
- Healthcare: Medical practitioners and healthcare facilities
- Financial Services: Accountants, financial advisors, and auditors
- Technology: Software developers and IT service providers
- Real Estate: Agents, brokers, and property managers
What's the difference between General and Professional Liability?
General Liability covers physical injuries and property damage related to your business operations, while Professional Liability covers claims related to the professional services you provide, such as errors, omissions, or negligence in your work.
Do I need both types of coverage?
If you provide professional services or advice, you likely need both. General Liability protects your premises and operations, while Professional Liability protects the services you deliver. Together, they provide comprehensive protection.
What's not covered by liability insurance?
Liability insurance typically doesn't cover intentional acts, employee injuries (covered by Workers Compensation), damage to your own property, or contractual liabilities unless specifically included. Each policy has specific exclusions that we'll review with you.
How much liability coverage do I need?
Coverage needs depend on your industry, business size, client contracts, and risk exposure. We'll assess your specific situation to recommend appropriate coverage limits that protect your business without unnecessary costs.