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Tailored liability insurance: protecting what matters most
Not every responsibility or risk can be predicted. Our personalized liability policy will pick up the slack when you’re faced with a lawsuit you didn’t see coming. Protect yourself and your business in less than 15 mins, with a trusted broker on your side.
Whatever your business, it’s better to be covered.
When it comes to liability insurance for professionals like you, we understand the intricacies of your industry and tailor our coverage to address the specific risks you face, providing protection that aligns with your unique needs. With our expertise and commitment to your success, you can trust us to be your reliable partner in safeguarding your professional journey.
Is liability insurance right for me?
Business Owners
Business liability insurance, such as general liability insurance, is essential for protecting businesses from claims related to bodily injury, property damage, or advertising injury. It helps cover legal fees, settlements, or judgments if a third party sues the business for alleged negligence.
Professionals
Professionals in various fields, including doctors, lawyers, accountants, architects, and consultants, can benefit from professional liability insurance, often referred to as errors and omissions (E&O) insurance. It covers claims of professional negligence or mistakes in the services provided.
Contractors & Tradespeople
Contractors, electricians, plumbers, and other tradespeople should consider liability insurance to cover potential accidents or damage that may occur during their work. Contractor's liability insurance can be crucial for protecting their assets.
Homeowners
Homeowners often purchase personal liability insurance as part of their homeowners' insurance policy. This coverage can protect them from liability if someone is injured on their property, or if they accidentally damage someone else's property.
Landlords
Landlord liability insurance is important for property owners who rent out residential or commercial properties. It helps protect landlords from liability claims related to injuries or property damage suffered by tenants or visitors.
Drivers
Auto liability insurance is typically required by law in most states for drivers. It covers bodily injury and property damage liability if the policyholder is at fault in a car accident.
Nonprofit Organizations
Nonprofits can benefit from liability insurance to protect their board members, volunteers, and the organization itself from liability claims related to their activities, services, or events.
Event Planners
Event liability insurance is crucial for event planners, organizers, and hosts to protect themselves from claims arising from accidents, injuries, or property damage that occur during an event.
Healthcare Providers
Healthcare professionals, including doctors, nurses, and therapists, often carry medical malpractice insurance to protect themselves from claims related to medical errors, negligence, or malpractice.
Directors and Officers
Directors and officers (D&O) liability insurance is designed to protect executives and board members of organizations, including corporations and nonprofit entities, from personal liability in cases of alleged mismanagement or wrongful acts.
Freelancers and Consultants
Freelancers and independent consultants can benefit from liability insurance to protect themselves from claims of professional errors or negligence in their work.
Pet Owners
Some homeowners' or renters' insurance policies include liability coverage for pet owners, which can help cover medical expenses and legal costs if their pet injures someone or damages someone else's property.
Restaurants & Business Owners
Businesses in the food industry often carry product liability insurance to protect themselves from claims related to illnesses or injuries caused by their products.
Types of Liability
Employer’s liability and workers’ compensation
Product liability
Indemnity insurance
Umbrella liability
Commercial liability
Comprehensive general liability
Frequently asked questions
While liability insurance typically covers physical injury and property damage, some policies may include coverage for reputation damage. This is more common in specialized policies like media liability insurance, which can protect against defamation claims.
Liability insurance is designed to cover accidental or negligent acts. It generally does not cover acts of intentional harm or fraud. However, some policies may provide defense coverage in case of allegations, even if the intent is disputed.
Yes, there are liability insurance policies, such as cyber liability insurance, that can provide coverage for online activities, including cyberbullying, data breaches, and online defamation.
Some businesses in the pet industry may need specialized liability insurance, such as animal bailee’s insurance, to cover injuries or damage related to pets in their care. Standard liability insurance may not provide adequate coverage.
Liability insurance usually covers legal defense costs when facing lawsuits, but it may not cover the cost of complying with new regulations or laws. Compliance-related costs are often separate and not covered by insurance.
Liability insurance typically covers real-world risks and events. It generally does not cover incidents related to supernatural or paranormal activities, as they are considered outside the realm of standard insurance coverage.
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