Liability Insurance

Protect Your Assets from Every Angle

From shareholder lawsuits over executive compensation to warehouse workers claiming age discrimination, or even building owners suing an architect over structural issues, legal challenges can come from anywhere. Parents may even allege that a product defect caused permanent harm to their child.

Just like you wouldn’t leave the house without essential clothing or jump into a community pool without the proper attire, you shouldn’t operate a business without liability insurance. This coverage shields you from potential financial losses arising from lawsuits connected to your operations.

Partner with a Robertson Ryan agent to safeguard:

  • Your company’s assets
  • The personal assets of your employees
  • The personal assets of your directors, officers, and executives
  • The reputation your business has worked so hard to build

Overview of the many liability insurance options available to protect your business:

General Liability

General Liability insurance protects your business from claims of bodily injury or property damage for which you are legally responsible. This coverage applies to incidents such as:

  • Damages resulting from your business operations.
  • Issues related to the products you manufacture, sell, or handle.
  • Claims of libel or slander in your advertising.
  • Inadequate property maintenance that leads to injuries or damages.

Additionally, General Liability includes coverage for associated medical and legal expenses, helping you manage the costs of a potential lawsuit.

Management & Executive Liability

Management & Executive Liability offers protection for your business, its executives and employees in the event of a lawsuit. It includes the following key coverages:

  • Directors and Officers: Protects against claims stemming from the actions and decisions of a company’s directors and officers. Protects business assets as well as each individual’s assets.
  • Employment Practices: Covers lawsuits and regulatory actions related to claims such as wrongful termination, sexual harassment and discrimination—issues not covered by a standard General Liability policy. It protects both your business and employees.
  • Fiduciary Liability: Necessary if your business sponsors any retirement or employee savings program. This coverage shields your business and fiduciaries from legal action and also offers protection against negligence in managing employee benefit plans.

Professional Errors, Omissions & Malpractice

Covers service professionals such as physicians, attorneys, architects and IT consultants in case of litigation alleging negligence or faulty service.

Environmental Impairment

Protects against financial loss from liability for expenses related to pollution, such as bodily injury, property damage, remediation costs and legal defense expenses.

Umbrella & Excess Liability Layers

Umbrella and Excess Liability policies provide additional protection when your primary liability coverage is exhausted or doesn’t cover a specific claim. These policies can vary significantly in terms of coverage and limits.

  • Protection from the Unexpected: Catastrophic claims are rare, but without proper protection, a single severe incident can harm your company’s reputation, market share, and financial stability. Our Umbrella and Excess Liability solutions help protect your business from such risks.
  • Expanded Coverage: Umbrella policies extend the limits of your existing liability coverage, reducing the risk of coverage gaps. For businesses needing additional protection, Excess Liability can provide even higher coverage limits on top of your primary policies, safeguarding against large, unforeseen losses.

Cyber

Protects against liabilities incurred when you maintain a database or network, communicate online or participate in e-commerce—generally not covered by traditional liability policies. Can also cover legal expenses and the costs of notifying customers of a data breach.

  • Network and Data Security – Covers your liability to others arising from unauthorized access to your network or to data you collect, store or transmit. Includes resulting contamination of their data, network or website.
  • Protection of Privacy – Protects against unauthorized access to or use of customer lists, financial information, health records and other data.
  • Denial of Access – Covers third-party claims of damage if your website or network is shut down by a cyber attack.
  • Media/Content – Covers claims of libel, slander, copyright infringement and even personal injury arising from content you disseminate online or through software.

The range of insurance solutions is wide. The legalese is dense. Let your agent help you find your coverage gaps—and make sure they’re properly closed.

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