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General liability, also known as вЂњcommercial liability insuranceвЂќ is a broad commercial insurance policy that covers general liability exposures of a business. Quorum Insurance recommends that all businesses have general liability coverage in place.
Commercial General Liability covers liability for injuries or damage caused by ownership of property, manufacturing operations, contracting operations, sale or distribution of products, and the operation of machinery, as well as professional services.
Errors Omissions (E O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third partyвЂ™s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Quorum Insurance recommends that all professional and technology companies have E O coverage.
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 employeesвЂ™ legal rights. If you have employees, Quorum Insurance recommends considering this type of coverage.
Garage Liability provides liability coverage for garage operations including garage keepers liability coverage when you have care, custody and control of a customerвЂ™s vehicle. This coverage is typically purchased by new and used car dealers and auto detailers.
To find out more about these, as well as other business insurance products and services, call us and weвЂ™ll help make sure youвЂ™re properly covered.
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