As a small business owner, you’re exposed to various risks that could lead to costly lawsuits. Whether it’s a customer slipping in your store or a client claiming professional negligence, liability insurance is essential to protect your business.
What Is Liability Insurance?
Liability insurance provides coverage for legal claims against your business, including:
Bodily injury – e.g., a customer injures themselves on your premises.
Property damage – e.g., accidental damage to a client’s property.
Personal and advertising injury – e.g., libel, slander, or copyright infringement.
This insurance covers legal fees, settlements, and judgments, ensuring your business can withstand potential lawsuits.
Types of Liability Insurance
Depending on your business, you might consider:
General Liability Insurance – Covers common risks like bodily injury and property damage.
Professional Liability Insurance (E&O) – Protects against claims of professional negligence.
Product Liability Insurance – Covers damages caused by your products.
Cyber Liability Insurance – Protects against data breaches and cyberattacks.
At THAgency, we help you determine the right coverage for your specific needs.
Why Choose THAgency?
We partner with nearly 100 top-rated carriers to offer:
✅ Customized coverage – Tailored to your industry and business size
✅ Competitive pricing – We compare quotes to find the best rates
✅ Expert guidance – Our advisors help you understand your options
Get a Free Liability Insurance Quote Today
Protect your business from unforeseen legal claims. Fill out the form below to receive a personalized liability insurance quote.
✅ Access to nearly 100 carriers
✅ Best price and coverage options
✅ No obligation, quick and easy
FAQ: Liability Insurance for Small Businesses
What does liability insurance cover?
It covers legal costs and damages related to bodily injury, property damage, and personal/advertising injury claims against your business.
Is liability insurance mandatory?
While not always legally required, it’s highly recommended to protect your business assets.
How much does it cost?
Costs vary based on coverage and business type, but general liability insurance typically starts around $40–$55 per month.
Can I bundle liability insurance with other policies?
Yes, consider a Business Owner’s Policy (BOP) to combine liability and property insurance at a discounted rate.
