Business Liability

Business Liability Insurance

Even if you take every precaution to remove all possible hazards from your business,  you still could be sued for accidents resulting from the carelessness of any visitor.  That is why Business Liability Insurance is a must.

Yes,  you can protect yourself and your business from financially devastating claims that may occur because of events over which you have minimal control. Business Liability Insurance serves to protect against the unknown risks posed by products, directors & officers, errors & omissions, discrimination and other such liabilities.

Metro Insurance Center provides Business Liability Insurance from top-rated insurers to Manufacturers, Wholesale, Retail, Services, Transportation, Construction, Commercial Real Estate, Contractors, Restaurants, Hotels, Apartments, and many other businesses in Virginia.   We have the experience and the necessary resources to analyze and recommend the correct amount of Business Liability Insurance for your small business.

Protecting your Assets and Liabilities

Our exposure analysis identifies your business’ risks and recommends the optimal blend of insurance coverage and risk management. This generally involves a combination of:

  • Workers Compensation
  • Property Liability
  • Business Auto Insurance
  • and More

Business Liability Insurance Features

Business liability insurance coverage insures your business in the event of accidents and injury that might occur on your premises and exposures related to your products. It will protect your business from possible huge payments for bodily injury or property damage to a third party and for medical expenses resulting from the underlying incident. It will also absorb the cost of defending lawsuits that may include investigations or settlements, and for any judgments or bonds required during an appeal.

 What You Need to Know About:“EPLI”

Employment practice Liability Insurance can protect you and your business from events that are not covered under most general liability insurance policies such as:

  • Discrimination (failure or refusal to hire or any other wrongful treatment of people based on their race, sex, color, religion, sexual orientation, age, disability or other status that is protected by federal, state, or local statute or ordinance);
  • Harassment (of either a sexual or non-sexual nature); and
  • Wrongful Termination (any actual or alleged wrongful dismissal, discharge or termination of employment, including breach of contract).

Your reaction to bad behavior may be completely justified; it may even be a smart business decision that would appear to be beyond reproach.  But, if you’re challenged, and you have to go to court to defend yourself, you’re on your own unless you have Employment Practices Liability Insurance.  And the cost of defending these claims can be HUGE! In Fact In Most Cases The Cost Of Defense Is The Greatest Cost!

What Should You Do Next?

Regardless of whether you’re a small contractor, large employer or a small business owner, Metro Insurance Center can provide  liability insurance coverage for your business at an affordable cost.

Metro Insurance Center  is a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  Our clients get the best value for the insurance they need.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Business Liability Insurance you need.

Insurance for Different Business Types

On the right sidebar of this page, we have include links to a number of business insurance resources.  Click on any of the different business types to learn more about the insurance coverages for that type of business.   Please call one of our commercial insurance agents at Metro Insurance Center for any assistance.

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About 

Metro Insurance Center is a full service independent insurance agency representing over 3 dozen carriers. Although Roger manages all insurance products and services, he specializes in commercial insurance.