General liability insurance (or commercial general business liability) protects your company against losses from claims that arise when someone is injured on your property, or when someone is injured or property is damaged as a result of your business operations. It also includes coverage for injuries or property damage caused by your employees while they’re working, as well as covering the costs of your legal fees for defending against these claims and the costs of a settlement should you be found liable. And, it provides protection against claims of false advertising, libel, slander and copyright infringement. Because of its broad coverage, general liability provides the basis for most businesses’ insurance coverage plans. The type and amount of general liability coverage you need depend on the type of business you own and the level of risk that’s associated with it. Speak with an agent to learn about the coverage that’s right or your business.
Employment Practices Liability
Employment practices liability insurance (EPLI) provides coverage for your company against claims, including but not limited to: discrimination, harassment, wrongful termination, breach of contract and other employment-related issues, including protection from claims that can arise during the hiring process. During the past decade, employee lawsuits have posed an increasing problem for employers, especially those of small- and medium-sized companies that lack employee handbooks or other policy guidelines regarding the hiring and termination processes, as well as in-house legal departments skilled at handling these types of claims. EPLI policies provide important protection for your company and should be a part of your risk mitigation strategy. Policy options and coverage limits are available for businesses of all types and sizes. Our agents can help you choose the best coverage options for your unique needs.
Professional liability insurance was specifically designed for businesses that offer personal and professional services, including companies that provide financial, legal or other types of guidance. Also referred to as errors and omissions or E&O insurance, professional liability insurance will protect you from liability claims where someone is blaming your company for anything that resulted in harm.
Because professional liability claims can be so broad, it’s difficult for businesses to anticipate them. That’s why it’s critical to have professional liability coverage in place. Policies provide coverage for both legal defense costs and settlements. The type of coverage you need will vary based on your business. Let us help you identify your risks and determine the best policy for your needs.
Perry & Carroll was founded on the understanding that there are no one-size-fits-all solutions when it comes to providing insurance coverage for a business and its employees. Our agents are skilled in identifying the plans and limits that will provide the best coverage for your business. To learn how we can help, give us a call at 607-734-4291 or fill out the form below for more information.