Wet Floors

GENERAL LIABILITY

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 Truska Insurance recommends that all businesses have general liability coverage in place.

A general liability insurance policy can help cover claims that your business caused:
 
Third-party bodily injury: If a customer gets hurt after slipping and falling on your premises, they can sue your business. Your insurance policy includes bodily injury liability coverage, so it can help pay for their medical bills.
 
Third-party property damage: If you or your employees work at a client’s house, your business faces a risk of causing property damage. Property damage liability coverage can help cover repair or replacement costs if your business damages someone else’s belongings.
 
Reputational harm: Someone can sue your business for libel or slander because of something you or your employees said. If this happens, general liability insurance can help cover your legal costs to defend your business.
 
Advertising injury: Your business can get sued for copyright infringement. For example, a photographer can sue you if you use their photo in your ads without permission.

Hey Chicago take a look at some of the other liability coverage we offer to round out your insurance program.

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

 

Professional Liability Insurance (Errors & Omissions)

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. Truska Insurance 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, Truska Insurance 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 Truska Insurance at 312.802.8817 and we’ll help make sure you’re properly covered.