General liability insurance will protect your business against accidents causing bodily injury to other people or accidents causing damage to other people's property. For example, if a client is injured at your facility or you sell a product that malfunctions and causes damage, the costs could be paid through your general liability insurance.
Umbrella/Excess Liability Umbrella or excess liability coverage takes over when large claims exceed the limits of your regular business liability insurance. This insurance provides you with an extra layer of business liability coverage.
Employment Practices Liability Employment Practices Liability insurance protects your business against legal costs incurred to resolve employee complaints related to discrimination, harassment, and wrongful termination. Employment Practices Liability insurance is relatively inexpensive compared to even a modest court case.
Directors & Officers Liability Directors and officers liability insurance provides financial protection for the directors and officers of your company in the event that one or more are sued in conjunction with the performance of their duties as they relate to the company. Directors and Officers Insurance is effectively an Errors and Omissions policy for your management team.
Errors & Omissions Insurance Errors and omissions insurance protects your company from claims if your client or customer holds you responsible for errors or the failure of your work to perform as promised in your contract. Coverage includes legal defense costs, regardless of how plausible or baseless the allegations might be. Errors and omissions insurance will pay for resulting judgments against you, including court costs, up to the coverage limits on your policy.