Some Liability Insurance Services You May Want To Add To Your Policy

About Me
Finding The Right Attorney

When I learned that my company was being sued, I knew that I didn't want to sit idly by and watch my company proceeds evaporate. I thought about it and decided that it might be a better idea to find a great attorney and fight for what was mine. I interviewed several different legal professionals until I found one that I felt really comfortable with. He had gone to a great law school, and he had spent years working in the courtroom fighting for businesses. When he got started with my case, it was amazing to see how much of a difference his expertise made. Read here to learn how to find the right attorney for your problems.

Some Liability Insurance Services You May Want To Add To Your Policy

3 April 2018
 Categories: , Blog

As a business owner, there are many different types of insurance you need to have to protect yourself, your business, and your employees. It can be a bit confusing and easy to forget something, leaving you uncovered in an area that is important. The next time you talk with an agent, be sure to ask them about the following liability insurance services, so you know you are protected.


When you are leasing a property, the rental agreement will probably have a clause demanding you maintain liability insurance on the building and property. This will keep the owner from being sued should there be an accident. If you are buying the property, there is probably a clause in the mortgage documents for the same coverage. You need to be sure to have this coverage if you own the establishment outright, or if you have a home-based business too.


Product liability coverage is important if your business involves selling physical goods to people. This will protect you if someone is every injured or becomes ill because of what you sold to them. Even if you do not make the product yourself, you may be named in the lawsuit against the manufacturer.

Cyber Liability

If any portion of your business is done online, through a Wi-Fi connection, or with Bluetooth, your data may be hacked and compromised. To protect you from being sued if anyone's private data is breached, make sure you have cyber liability coverage as part of your general insurance policy.

Professional Indemnity

When your business is service-oriented, with nothing being sold to a customer, you can still end up in trouble if the work you did created a problem. For example, if you are an accountant, and there is a small mistake in the books, it may cost your client money in a number of ways. They are going to expect you to pay for their loss. Professional indemnity liability coverage will take care of this for you.

Without the proper liability coverage, you could end up having to close the business. If you are a sole proprietor or in a partnership, you could be held personally responsible for any damages or medical bills incurred due to your business in any way. It is much better to pay the monthly premiums than it is to have to come up with a large amount of money. In addition, liability coverage will give you peace of mind.

Contact a company like Letherer Insurance Consultants, Inc. for more information.