Business Liability Insurance
With the day-to-day uncertainties of business management, liability insurance is something you cannot do without. Accidents happen – on site, off site, with employees and with customers – no matter how much you’ve planned. It is a critical part of any insurance portfolio, regardless of your industry.
What business liability covers
Liability insurance can help cover medical expenses, attorney fees and damages you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind. For example, any individual or business providing an opinion, making recommendations, designing products/solutions or offering a service is at risk for a professional liability lawsuit. The insurance company can help with defense costs, regardless of fault, as well as protection for judgments, court costs and more.
Rolland & Associates offers great basic plans that can be easily customized with a wide variety of options so you can select the coverage you need. We understand that you need complete business protection, not one-size-fits-all coverage. Our agents will work with you to determine the right type of commercial liability insurance you need for every stage of your business.
Additional business liability coverages
You can enhance a basic policy with additional commercial liability insurance options, known as endorsements, that meet the specific needs of your business.
Hired and Non-owned Auto Liability Insurance
Provides auto liability coverage for short-term auto rental or for employees using their personal auto during the course of business.
Extends coverage over and above your other liability coverage. Designed to protect against unusually high losses when the policy limits of one of the underlying policies have been used up.
Product and Completed Operations Liability Insurance
Provides protection for bodily injury and property damage that occurs away from your premises that are caused by your products or your work. The amount of coverage and the level of risk depend on your business type.
Employment-Related Practices Liability Insurance
Covers wrongful termination, wrongful refusal to employ, invasion of privacy or defamation claims made by your employee against you, the employer.
Directors and Officers Liability Insurance
Provides coverage for situations where a poor decision was made by a company’s board of directors or officers resulting in a claim for damage. Coverage can be provided for condominium associations, golf courses and churches.
Liquor Liability Insurance
Protects you against claims for injury sustained by reason of you selling, serving or furnishing any alcoholic beverage during the course of your business operations.
Fire Legal Liability
Provides coverage for fire damage to premises you rent or occupy with the landlord’s permission. You must have been negligent in causing the fire for this coverage to respond.