Protecting the businesses of New Hampshire, Massachusetts, Maine, Vermont, Connecticut, and Florida
General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Coverage typically can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. The Frank Massin Agency recommends that all businesses have general liability coverage in place.
What you need to know about commercial liability insurance
General, or commercial liability insurance can be combined with commercial property insurance in a Business Owners Policy, or is available as stand alone coverage. Our staff will help you determine which coverages are most appropriate for your individual business needs
Take a look at the list below for additional liability coverages that may be available.
Professional Liability Insurance (Errors & Omissions)
Errors & Omissions (E&O) covers professionals for negligence and errors or 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. It is recommended that all professional and technology companies have E&O coverage.
Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, this type of coverage may be recommended for your business.
Directors and Officers Insurance (D&O)
D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.
To find out more about these, as well as other products and services, call The Frank Massin Agency at (603)585-3411 and we’ll help make sure you’re properly covered.