Business Liability Insurance Request a Quote As a business owner, every transaction you complete can result in either a profit or risks.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 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 the liability case grinds on—and if you’ve got something to take, the plaintiff’s attorneys will often make sure it does.Liability insurance is appropriate for any business that could face potential lawsuits. There are four distinct types that you may need, depending on your business, and your tolerance for risk of financial loss:Personal LiabilityBusiness LiabilityProfessional LiabilityPublic LiabilityThere are other risks that may be covered, including: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.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.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. You should consider general liability insurance coverage, also called commercial general liability insurance, if either you or your employees:Interact with clients face to face. If you make sales calls or visit clients at their place of business, their home, or they visit your locationHave access to equipment that’s not yours. Business liability is ideal for IT professionals, electricians, other repair or technical services.Represent your client’s business to other companies.Use third-party locations for any business related activities. Business liability can cover architects, designers, wedding planners, etc.If you are required to maintain general liability insurance as part of a contract. Worried about the cost? Our agency specializes in covering professional services, and local businesses like yours. We have everything you need right here, including:Monthly payment options to help spread out your payments so you can better manage your cash flowWorldwide coverage as long as the claim is filed in the U.S., one of its territories or CanadaClaims responsiveness when time is of the essence, especially in the event of an insurance claimTailored coverage for the specific risks of your field and industryKnowledgeable, helpful agents ready to assist youFast and simple online quotes Get A Quote Name Email Address Phone Additional Info Thank you! Oops!