We offer an array of business liability coverage. Here are some of the more common liability policies found in business...

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General Liability

A variety of unfortunate incidents related to your business operations can happen during the course of every day operations on premises. Protect yourself against accidents, injuries, property damage and lawsuits.

Professional Liability

Your reputation is important. Rest assured you'll have the funds to clear your name against allegations of negligence, error, omission, and more. We offer several types of insurance for small businesses in a variety of industries and sizes.

Commercial Umbrella

An Umbrella policy provides extra protection beyond your standard general liability coverage. Being under-insured when the unexpected occurs could be disastrous for you and your business. An umbrella policy is an inexpensive way to provide additional limits of liability.

Employment Practices Liability Insurance (EPLI)

Allegations of discrimination or wrongful termination by an employee can be devastating to a business. Protect yourself in the even that someone files a lawsuit against you or your business. EPLI provides coverage to employers against claims made by employees alleging, discrimination, wrongful termination, harassment, and other employment-related issues.

Business Owners Policy (BOP)

A BOP provides various insurance coverage into one convenient package. A BOP can cover Commercial Property, General Liability, Business Income, and Equipment breakdown.
A BOP may be right for your business if:

(1) Your business is located outside of your home

(2) You have fewer than 100 employees and less than $5 million in sales

(3) You have property or equipment you need to protect

(4) You want to protect investments you've made in your business.

Errors & Omissions (E&O)

No one is perfect. You've hired real people and mistakes can happen. E&O insurance is a specialized liability protection against losses not covered under your traditional liability policy. It protects your business from claims if a client sues for negligent acts derived from business activities. A business owner should consider E&O coverage if they provide a service to clients for a fee.

E&O insurance policies usually cover:

(1) You

(2) Your employees

(3) Consultants/Subcontractors working on behalf of your business

Bonds

Commercial bonds come in every shape and size. They are agreements that protect businesses. They are generally required by state laws for various industries and guarantee some aspect of a principal's occupation.