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Commercial Liability Insurance

Commercial Liability Insurance

Insurative Insurance is proud to be one of the top providers of Commercial Liability Insurance.

With numerous of satisfied commercial clients, Insurative Insurance knows that commercial liability insurance is not a one-size-fits all solution. Our team of technical experts understand the needs of each business owner, regardless of type or size of business.

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Broad Range of General Liability Protection

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury

  • Property Damage coverage for the physical damage to property of others or the loss of use of that property

  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided

  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents

  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts

  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

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General liability, also known as “commercial liability insurance”

is a broad commercial insurance policy that covers general liability exposures of a business. Insurative Insurance recommends that all businesses have general liability coverage in it’s place.

Professional Liability Insurance (Errors & Omissions)

Errors & Omissions (E&O) covers professionals for negligence and errors & omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. 

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Employment Practices Liability Insurance (EPLI)

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Directors and Officers Insurance (D&O)

To find out more about our business insurance products and services, call us and we’ll help make sure you’re properly covered.

General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford's liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.


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