General Liability Insurance

Protecting the businesses of Ohio

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Coverage typically includes product S P Agency Inc. recommends that all businesses have general liability coverage in place.

Ohio – What you need to know about commercial liability insurance

Take a look at the list below for additional general liability coverages that are often available.

Professional Liability Insurance (Errors & Ommissions)

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. S P Agency Inc. recommends that all professional and technology companies have E&O coverage.

Employment Practices Liability Insurance (EPLI)

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 employees’ legal rights. If you have employees, S P Agency Inc. recommends considering this type of coverage.

Directors and Officers Insurance (D&O)

D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other products and services, call S P Agency Inc. at 513-985-3600 and we’ll help make sure you’re properly covered.

Call us today at 513-985-3600