General Liability Insurance
Protecting the businesses of Indiana
General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business.
Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.
J C Smith Insurance Agency recommends that all businesses have general liability coverage in place. Request a quote or call us at 317-345-9388.
Additional Liability Coverage
Take a look at the list below for additional liability coverages that you may want to consider.
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. J C Smith Insurance Agency recommends 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, J C Smith Insurance Agency recommends considering this type of coverage.
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 J C Smith Insurance Agency at 317-345-9388 and we’ll help make sure you’re properly covered.
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