• The insurance industry calls this category "general liability."
  • These are the types of liability most commercial operations of any size will face. The risk that someone will get hurt at your location. The risk that your product or service will cause someone harm. The risk that your business is found negligent in a court case.
  • Beyond the general liability category, State Auto has options that are more specific based on how your business runs.
  • You'll need to take a critical eye to each area of your business operation.
  • Do you handle sensitive data for your customers?
  • What are your employees doing, and what might go wrong?
  • Your best approach is to work closely with your insurance agent to examine what specific situations you might face.  

 

  • Most businesses today need another layer of protection against liability.
  • You can't read the news today without seeing a story about a business facing catastrophe - a product recall, a fatal accident caused by one of their drivers, a major lawsuit.
  • This is where commercial umbrella protection comes in. It gives you higher amounts of coverage in case your worst-case scenario happens. 

 

 

Tips for talking with your agent

  • Prepare to examine everything that happens - or could happen - in your daily operation.
  • Your agent may need to visit your business to witness first-hand how things run.
  • Remember, this is your chance to protect your business from the things that keep you up at night.