Anyone who comes in contact with you or your employees in the course of your business can file a claim or lawsuit against you for any number of reasons—from a customer injury to a broken contract.

What if something happens

Anyone who comes in contact with you or your employees in the course of your business can file a claim or lawsuit against you for any number of reasons—from a customer injury to a broken contract.

Premises and operations

A customer trips on a fixture at your business and is injured. Business liability can help provide coverage for the resulting hospital bills and damages, as well as coverage for your business if the customer sues for negligence.

Products and completed operations

A project your company builds or undertakes is flawed, a lawsuit is filed and the former client wins. Business liability insurance can include coverage to help with the defense costs and, in some cases, the legal damages for which the policyholder may be responsible.

Cyber liability and data breach

Your computer system is hacked, and you risk losing confidential business and customer data to online theft. Cyber liability insurance 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.

Employment practices liability

If you've been in business for a few years or operate in an industry with high turnover rates, you've likely hired many employees, whether temporary or full-time. The truth is that any of these employees, or even applicants that you did not hire, can bring legal action against your business at any time. Business liability insurance can help cover your business entity, directors, officers and employees if you are accused of wrongful termination, harassment, discrimination and other employment-related offenses.