Commercial Liability insurance
Specialized business protection to help you navigate the many risks your business faces.
Lawsuits can arise at any time and can be devastating without proper coverage.
Features of Commercial Liability insurance
No business is immune to property damage or bodily injury claims. SECURA and our independent agents tailor our coverage to meet your unique needs.
Defense costs
How your Commercial Liability coverage defines defense costs can have a significant impact, so it’s important to know whether your policy includes compensation for legal defense outside the limits or within the limits of liability.
Defense costs inside the limit simply means that defense costs are deducted from the total policy limit, resulting in less coverage available for any settlement payout.
Defense costs outside the limit means your defense costs are covered outside the policy limits, leaving your policy limit intact for covering any settlement payout.
It’s important to discuss the differences and availability of each type with your independent insurance agent.
Personal and Advertising Injury
Personal and Advertising Injury coverage provides protection against injury to another person or organization resulting from many different offenses, such as false arrest or imprisonment, wrongful eviction, libel or slander, unintentional copyright infringement, or claims of stealing or using third-party ideas in your advertising.
SECURA works with many industries, providing Commercial Liability insurance solutions for businesses of all sizes.
Don’t see your industry listed? Have a conversation with your local agent to learn more about how SECURA Insurance is right for your business.
Policyholder benefits that work
Risk management services
Exceptional claims experience
Independent local agents
Common questions about Commercial Liability insurance for business
What does Commercial Liability insurance cover?
Commercial Liability insurance protects your business from claims resulting from injuries and damage to people and/or property, costs related to unintentional copyright infringement or claims of stealing/using third-party ideas in your advertising, as well as reputational harm, such as slander, libel, and privacy claims.
What doesn’t Commercial Liability insurance cover?
Commercial Liability insurance does not protect you from business-related auto accidents, employee injuries or illness related to their work, damage to your business property, legal costs as a result of errors in your professional services, and claim costs that are higher than your liability policy limits. It also does not cover legal costs related to intentional or criminal acts.
How much does Commercial Liability insurance cost?
The cost of Commercial Liability insurance can vary depending on the number of employees, business sales, the state, city, and population where your business is located, the type of industry you serve, and the coverages that are needed. It’s best to talk with your independent business insurance agent for an accurate estimate of the coverage costs for your business.
Why SECURA?
SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.