Commercial Liability Insurance
Protection for a wide range of businesses
What is Commercial Liability Insurance?
Alliance Insurance Agency Services, Inc. offers many different types of liability coverage for businesses in the New Orleans area. Collectively these are known as Commercial Liability Insurance even though they provide protection for a very wide range of businesses and exposures.
While many types of Liability Insurance such as General Liability and Professional Liability (also known as Errors and Omissions Insurance) apply to a wide range of businesses, there are many Liability Insurance policies that are tailored to very specific businesses and exposures.
Don’t assume that General Liability or Professional Liability Insurance alone will cover all your business’s risks.
Consult with your Alliance Commercial Insurance Specialist, about any insurance policies that are specifically designed for businesses in your industry or profession.
What Types of Commercial Liability Insurance does Alliance Insurance Agency Offer?
Alliance Insurance Agency Services, Inc. offers commercial liability coverage for virtually every type of business found here in the New Orleans area.
Some types of Commercial Liability Insurance policies are designed to cover a wide range of brick and mortar businesses that serve the general public as well as a wide range of businesses that provide services either in house or on location. The most common of these are:
> General Liability Insurance Provides coverage for the day to day operations of your business against claims resulting from bodily injury, property damage and personal injury. A common example of this would be protection from a claim of negligence if someone trips and is injured on your business premises.
> Professional Liability Insurance Also known as Errors and Omissions or E&O Insurance, Professional Liability Insurance protects professionals from claims of negligence. An example of this would be protection for a CPA firm against a claim of faulty bookkeeping that leads to losses in a business.
Here is a short list of some of the more specialized types of Liability Insurance coverages offered by Alliance Insurance Agency Services, Inc.
Remember to consult with your Alliance Commercial Insurance Specialist regarding policies specific to your business that may not be listed here.
> Medical Malpractice Insurance offers protection to practitioners and professionals in the health care industry.
(Malpractice Insurance is also available for other types of professionals such as lawyers).
> Contractor’s Liability Insurance is specifically tailored to the needs of construction industry contractors including subcontractors such as mechanical, plumbing and electrical contractors.
(Also known as Contractors Professional Liability Insurance or CPL)
> Product Liability Insurance protects businesses from claims related to the manufacture, distribution or sale of products, food, medicine or goods to the public.
> Liquor Liability Insurance protects bars, taverns and restaurants in the event of alcohol-related liability claims such as liquor-induced fights or altercations,
> Garage Liability Insurance is specifically designed for businesses that sell or work on vehicles including dealerships, repair shops, tire dealers and even businesses that do oil changes or install car stereos.
> Premises Liability Insurance is specifically designed to protect business and property owners in the event of accidents and injuries on their property or premises.
> Crime Liability Insurance covers your customer’s or client’s property and assets in the event of theft or robbery at your business including white collar crime within your business.
> Cyber Liability Insurance protects a business in the event of claims resulting from a data breach in which customers of the business have had their personal information stolen such as Social Security or credit card numbers,
> Directors and Officers Liability Insurance protects directors and officers of corporations and not-for-profit organizations in the event of a lawsuit claiming they acted without proper regard for the rights of others while managing the business or organization.
> Employment Practices Liability Insurance protects businesses from claims of wrongful employment practices including wrongful termination, sexual harassment, discrimination, invasion of privacy, breach of contract and wage and hour law violations.
The information presented on this website is for general reference purposes only and does not override or serve as an addendum to any insurance policy or contract. Always consult your insurance policy or your Alliance Insurance Agency Services, Inc representative for accurate information regarding your policy and coverage.