Here are just a few examples of situations in which your business could be responsible for paying various costs, such as medical and legal expenses, as well as compensatory and punitive damages:

  • While visiting your business, a customer trips on loose flooring and is injured.
  • An employee in your painting or construction business accidentally leaves water running, causing substantial damage to a customer’s home.
  • A class action lawsuit is filed against your business, alleging advertisements constituted misleading information.

Main Covers

  • Bodily Injury and Property Damage Liability

  • Personal and Advertising Injury

    • Personal and Advertising Injury liability protects an insured against liability arising out of certain offenses, such as:

      • Libel

      • Slander

      • False Arrest

      • Infringing on another’s copyright

      • Malicious Prosecution

      • Use of another’s advertising idea

      • Wrongful eviction, entry or invasions of privacy

  • Medical Payments

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