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Commercial liability insurance coverage protects you, your business, and your employees from claims involving bodily injury or property damage, up to the limits of your policy. If damages are filed or you are sued, general liability covers the insurance company’s investigation and attorney expenses for defending those claims, any judgment or settlement, medical expenses in case of injury, and bonds if they must be posted.

For example, someone might claim that your business or employees:

  • Created an unsafe environment where someone was injured
  • Damaged personal property
  • Is responsible for an injury

Business liability insurance is usually a bundle of coverages, custom-designed to best protect your particular type of business against many general risks as well as those that might be unique to your industry, regardless of what line of business you are in. Your policy may include:

  • Coverage for bodily injury claims
  • Coverage for property damage claims
  • Completed products coverage
  • Contract liability coverage
  • Personal and advertising injury coverage
  • Liquor liability coverage
  • Medical expenses coverage
  • Business interruption coverage

Additional business insurance options

In addition to commercial general liability insurance coverage, there are other policies you might need to consider, depending upon the scope of your business. These include:

  • Professional liability/errors and omissions insurance
  • Employment practices liability insurance
  • Directors and officers liability insurance
  • Key employee insurance
  • Commercial auto insurance
  • Business catastrophe liability (Umbrella) insurance
  • Terrorism insurance
  • Cybercrimes insurance
  • Workers Compensation

Make sure you and your business are adequately protected with a commercial liability insurance policy. Contact the Linda A. Christ Insurance Agency today to discuss your business and the many options available to you. Our knowledgeable professionals are always here to help you and are happy to review your existing policy and make appropriate recommendations.