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Home > Blog > What Liability Insurance Do I Need for My Business??
FRIDAY, APRIL 30, 2021

What Liability Insurance Do I Need for My Business??

What Liability Insurance Do I Need for My Business?

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Every business is different, but each company faces a range of liability risks. Liability typically refers to a lawsuit filed against your business for one reason or another which should be covered under liability insurance. 

Important Types of Liability Insurance 

The main types of liability insurance available for your business include: 

General Liability 

General liability insurance is one of the most common and important types of liability insurance. This insurance covers: 

  • Bodily Injury Liability: Bodily injury liability covers injury that may occur on your business’ property, such as if someone slips and falls. This insurance can help cover the victim’s medical bills. 

  • Property Damage Liability: Property damage liability covers damage to property caused through the business’ everyday operations. 

  • Personal and Advertising Injury: Personal and advertising injury refers to claims against the business regarding libel, slander, malicious persecution, theft of an advertising idea, copyright infringement and more. 

Professional Liability 

Professional liability insurance covers claims of professional negligence against your business. If you own a business that employees professionals are offer specialized services, you may need professional liability. This insurance is known by many different names depending on your location and industry such as errors & omissions insurance and medical malpractice insurance. 

Umbrella Liability 

Umbrella liability insurance serves to fill in the gaps left by all of your other liability insurance coverages. For example, say your general liability insurance policy covers $1 million but your business is sued for $2 million. Umbrella liability insurance can help cover the remaining $1 million so that your business’ savings don’t have to take the hit. 

Directors and Officers Liability 

Directors and officers liability insurance specifically covers key employees of your business. This insurance covers claims against your directors and/or officers regarding their actions under your employment from investors, employees and more. This insurance often comes with EPLI, or Employment Practices Liability Insurance. This additional insurance covers claims from employees concerning discrimination, sexual harassment, wrongful firing or hiring and more. 

Cyber Liability Insurance 

In an age where nearly everything is online, cyber liability insurance is crucial for protecting your business’ and clients’ information. In case of a data breach or cyber-attack, cyber liability insurance can help cover related recovery expenses, including reputation recovery. 

Every business is different so be sure to shop around and speak with an insurance agent. They can help you determine the risks your company may face and insure you with the right coverage.

Posted 12:50 PM

Tags: business insurance
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