Business liability insurance is essential protection for any company, shielding your assets from lawsuits, claims, and unexpected liabilities. Without proper coverage, a single lawsuit could devastate your business financially.

General liability insurance covers claims of bodily injury, property damage, and personal injury that occur on your business premises or result from your operations. This foundational coverage is often required by clients, landlords, and lenders.

Professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses that provide services or advice. It covers claims of negligence, mistakes, or failure to deliver promised services.

Product liability insurance is crucial for manufacturers, distributors, and retailers. It covers claims arising from defective products that cause injury or property damage to consumers.

The cost of business liability insurance depends on factors including your industry, business size, location, claims history, and coverage limits. Higher-risk industries pay more for coverage.

Many businesses benefit from a comprehensive Business Package Policy, which bundles general liability with commercial property insurance at a discounted rate. This package provides comprehensive protection for small to medium businesses.

Review your liability coverage annually and increase limits as your business grows. Umbrella policies provide additional coverage above your primary policy limits for added protection.

Work with an experienced commercial insurance broker to assess your risks and recommend appropriate coverage levels for your specific business needs.