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insurance for business unknowns

Business liability insurance you can count on

Ease your biggest fears with insurance protection that keeps your business running, provides rapid customer service, and delivers expert claims advice

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How does liability insurance work?

Liability insurance covers claims made against your business for someone who experienced bodily injury or property damage. It can also provide coverage for injuries sustained from your product, claims for libel, slander or defamation, and claims filed by your employees or other 3rd-parties.

As you might imagine, a lot can happen in your business. A carefully crafted liability insurance program can help protect you should you ever need it.

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Common claims against businesses today

You want to spend your time doing your work, rather than defending it. General liability insurance coverage can help protect everything you’ve worked for.

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What is (and is not) covered by liability insurance?

There is not an insurance policy in the world that can protect you from everything. For that, we’d need a crystal ball. But understanding the coverages, limitations and exclusions can help you prepare for the unknown.

What is typically covered?

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Injuries to someone else for an accident you cause

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Damages to someone else’s property

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Contractual liability (limited)

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Coverage for your products (limited)

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Advertising and personal injury coverage

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Claims made against you by your employees (optional)

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Pollution (optional)

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Emergency medical payments (optional)

What is not typically covered?

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Intentional bodily injury or property damage

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Employee work-related illness or injuries

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Claims made against you by your employees (optional)

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Electronic data/cyber liability (optional)

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Mistakes from your professional services or advice

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Damages to or caused by company vehicles

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Damages to goods being loaded to, or unloaded from a vehicle

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Got liability insurance questions? We’ve got answers.

Liability insurance is one of the most important policies you can buy to protect your business. It’s also one of the most complicated. We’ll do our best to simplify it for you.

Do I need liability insurance?

How much liability insurance do I need?

How much does liability insurance cost?

How do I provide proof of liability insurance coverage?

Liability insurance to keep your business up and running

As soon as you started your business, you took on some risk. General liability insurance will be there to help absorb any financial burdens associated with those risks.

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Contract requirements

Secure and comply with a new vendor, supplier, government or client contract. People are picky with who they hire. Having the right insurance means you’ll move to the top of their list.

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Proof of coverage

These days, you won’t get hired without showing proof of insurance. Don’t get beat out by the competition by not having insurance.

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Damages and injuries

Mistakes happen. And each employee you hire increases your chances of an accident occurring. Liability insurance can cover damages and injuries to others caused by you or your employees.

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Employment issues

Speaking of employees ... what if one of them decides to sue you? A discrimination, harassment or wrongful termination claim could cripple your business, but not with the right liability coverage.

We love our clients

Our clients are like family. See what they are saying...

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Testimonial Quote Mark

“[Berry Insurance has] always gone above and beyond for my company's insurance. They are thorough and answer all my questions with great detail and knowledge. They are also extremely responsive and a pleasure to work with.

Elizabeth T., A Massachusetts Pollution Control District

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Don’t lose sleep worrying if your business is unprotected. Simply fill out this form and a member of our commercial team will be in touch.

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