What is liability coverage?
There are many different types of liabilities to be covered for a business. Business Liability may protect you from claims arising from customer bodily or personal injuries. Other items that could be covered:damage to the property of others, products-completed operations, advertising, premises operations, fire, legal liability and related legal defense costs.

How does an umbrella liability policy work?
In the event of a catastrophic loss, the Umbrella Policy provides excess policy limits. Once the underlying limits of the Business Auto, General Liability and Employers Liability policies are exhausted, the Umbrella Liability Policy would provide further coverage up to the limits of that policy.

How can my business be covered for wrongful termination suits or sexual harassment?
Many insurance companies offer Employment Practices Liability insurance (EPLI) as part of their Business Owners Policy or as a stand-alone policy. EPLI may cover wrongful termination, sexual harassment, discrimination, mental anguish and other employment- related litigation.

What is professional liability insurance?
Otherwise known as malpractice insurance, professional liability insurance protects your business against claims resulting from professional services rendered by you to your clients. This type of insurance would cover you and your employees in the event that someone claims you incorrectly performed or failed to perform your professional duties. Most business policies do not include coverage for professional services. This coverage can, however, be purchased independently.

How does liability insurance coverage protect my small business?
There are many different types of third-party liabilities to be covered for a business. Business liability insurance may protect you from claims arising from someone's bodily or personal injuries. Other items that could be covered are damage to the property of others, products-completed operations, advertising, premises operations, fire, legal liability and related legal defense costs. For instance, liability insurance will not only pay the cost of covered damages but also the attorney fees and other costs associated with your defense.

What exactly does the term "bodily injury" in a liability insurance policy mean?
This refers to the injury, sickness, disease, or even death, of any person that occurs during the policy period.

What does "personal and advertising injury" mean in general liability insurance coverage?
Personal and advertising injury means being responsible for libel, slander or any defamatory or disparaging material, or a publication or utterance in violation of an individual's right of privacy; wrongful entry or eviction, or other invasion of the right of private occupancy; false arrest, wrongful detention, false imprisonment, or malicious prosecution; which occurs during the policy period.

What is employment practices liability insurance?
Employment practices liability insurance (EPLI) is designed to protect employers against claims of employee sexual harassment, discrimination, wrongful termination and other employment-related litigation. Many insurance companies offer employment practices liability insurance as part of their business owners' policy or as a stand-alone policy.

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