Business Liability Insurance

It’s a simple reality that anyone who comes into contact with you or your employees while you’re conducting business can file a claim or lawsuit against you for any number of reasons — from physical injuries to wrongful termination. 

That’s why we offers small business liability insurance, which can help with challenging situations and the associated costs of legal defense and legal damages, up to policy limits selected for covered claims.

Because we are also a small business owner, each one has an understanding of some challenges faced by small businesses like yours. They can offer insights and discuss insurance options as you choose customized coverage options for your company. 

Here are some risks you may want to manage — and potential solutions:

A customer trips on a fixture at your business and is injured. Premises and Operations coverage can help with hospital bills and damages — as well as coverage for your business if the customer sues for negligence.

A former client files and wins a lawsuit over work performed by your company. Products and completed operations coverage can help with the defense costs and — in some cases — the legal damages for which you may be responsible.

You lose confidential business and customer data when your computer system is hacked. Cyber liability and data breach coverage can help provide you with legal and forensic assistance to attempt to recover stolen data, as well as ongoing data security consultation to help you manage cyber risks.

A disgruntled former employee — or even an applicant you didn’t hire — brings a legal action against your company. Employment practices liability can help cover your business entity, directors and employees if you are accused of wrongful termination, harassment, discrimination or other employment-related offenses.

call us today 773-699-8329.

Some popular business insurance options

Liability coverage is just one component in a full menu of business insurance available. Your agent can also discuss coverage options for other possible risks like:

A small fire in your shop’s work area causes structural damage and destroys inventory. Business property insurance can help provide coverage to help your business recover from unexpected damages due to covered perils.

While momentarily distracted, your delivery driver has a fender bender in a parking lot. Commercial auto insurance can help provide coverage for bodily injury or damage to other vehicles and property for which you or your employees are legally responsible.

You discover an employee has been stealing cash from the register. Commercial crime insurance can help provide coverage for your business in the event of a crime. 

To learn more about what we can do for your business, call us today 773.832.7798

This brief summary is for illustrative purposes only and is not a policy document.  Please read the actual policy documents and discuss in more specifics with an agent. If there is a conflict between this summary and the policy documents, the policy documents will control.  Not all products, coverage, options and discounts are available for every client.