These days, owning a business can put you at risk if someone successfully wins a liability lawsuit against you. You don’t want to have to close your business or lose your personal assets, which is why commercial liability insurance is a smart choice.
Also known as general liability insurance, this type of coverage can protect your business in a variety of liability scenarios.
Professional Liability Insurance (Errors & Omissions)
This type of insurance provides coverage for professionals when negligence and errors or omissions cause third-party data damage. We often recommend this insurance for attorneys, insurance agents, accounts, engineers, architects, and professionals in the tech sector.
Employment Practices Liability Insurance (EPLI)
This covers employment-related liability besides injuries incurred on the job. Typical areas of coverage include legal fees and damages in lawsuits involving discrimination, sexual harassment, wrongful termination, and violation of employee rights. This type of insurance is appropriate for a very broad range of industries.
Directors and Officers Insurance (D&O)
This insurance protects businesses when lawsuits involve negligent acts, misleading statements, and omissions from company directors and/or officers. Within D&O coverage, you may elect to have personal liability, reimbursement coverage, or entity coverage. You can also broaden your coverage to include employment practices liability.
As independent agents, Smart Insurance helps many businesses find the right commercial liability policy. We pride ourselves on our ability to educate you so you understand your policy completely. And we tailor our many offerings to suit your unique needs every time.
Reach out online to request a quote, or simply give us a call at 800-249-1920 to tell us about your business. Don’t let your company go without the liability coverage it needs. We look forward to hearing from you soon.