Business Insurance: Liability Coverages

Cover All Your Bases with Business Liability Insurance

Business Liability provides coverage for liability issues resulting from property damage or personal injury, including medical expenses. When your bases are covered, you're better positioned to grow your business. That's what general and professional liability coverage is all about. You can't always predict what will happen day by day, but with the right liability protection, you can safeguard your business from the unexpected should a legal situation ever arise. Let us customize a policy for you that may include -

Protection for your business property from:

  • Fire
  • Theft
  • Vandalism
Protect your business from claims due to:
  • Bodily Injury
  • Negligence
  • Property Damage
Employment Practices Liability Insurance covers the biggest problem areas of the law today - sexual harassment, discrimination, and wrongful termination. It also covers broad judgments, back pay, appeals, bonds, pre-judgment interest, class action suits, and administrative changes.

The coverage begins with an allegation, therefore attorneys and specialists get involved before it becomes a full blown lawsuit. The policy also covers the entity, directors/officers, employees and former employees.

Many companies spend sizable sums hiring lawyers and human resource specialists to audit their businesses and get their businesses in order. They will be the first to tell you that no one is "bullet-proof." Even the most frivolous of suits involve expensive defense costs. It is not unusual for these costs to reach the high six figures. Having your business audited will not protect you from allegations or a lawsuit, but it will aid in your defense should a lawsuit arise. And remember, in most cases, a General Liability Policy specifically excludes employment practices coverage. An EPLI Policy is a vital part of your insurance protection portfolio.

  • Suits stemming from errors and omissions
  • Wrongful termination, harassment, or discrimination claims from employees
  • Malpractice or negligence suits
  • Other claims or legal situations

Contact a CCW Insurance Advisor today. Liability insurance protects you and your business from lawsuits and property damage done to others. We'll help you find the best protection plan for your dollar.