When your business has employees apart from yourself to manage, there are several areas of liability that may not be immediately obvious and are not covered by your general liability policy. Protection from claims against your business such as discrimination, harassment, wrongful termination, breach of contract, or even failure to promote are reasons to consider specialty liability insurance. Liability coverage generally protects you from claims that arise out of harm your business (including employees) cause another.
- Do you operate off-site?
- Serve alcoholic beverages at functions?
- Sell products that could cause harm?
- Do you or your employees operate personal vehicles at any time in the course of doing business?