Commercial Liability Insurance
Concerned about being sued?
Even careful businesses can face claims—from accidents, property damage, or misunderstandings. Liability coverage helps protect your business when things don’t go as planned.
general liability insurance is often the foundation, helping cover common third-party claims.
- Customer injuries on your premises
- Property damage caused by your business
- Legal defense costs and settlements
Providing advice or professional services?
When clients rely on your expertise, mistakes—or perceived mistakes—can turn into costly disputes.
professional liability insurance (often called errors & omissions) helps protect against claims related to your work or advice.
Handling customer data or operating online?
Data breaches and cyber incidents can affect businesses of any size—not just large corporations. The financial impact can extend well beyond IT fixes.
cyber liability coverage can help with response costs, notifications, and potential legal exposure.
Worried your limits might not be enough?
Some claims can exceed standard policy limits, especially in severe accidents or lawsuits.
We often layer coverage with umbrella liability to provide additional protection when underlying limits are exhausted.
Common Questions
Do I really need liability insurance if I’m careful?
Yes. Many claims come from accidents or allegations—not negligence. Coverage helps protect you even when you’ve done nothing wrong.
Is general liability enough on its own?
Sometimes, but not always. Businesses that provide services, advice, or handle data often need additional liability coverage to fill important gaps.
How do I choose the right limits?
We look at your industry, contracts, revenue, and risk exposure to help determine limits that make sense—without overpaying.