Any business, no matter how small, is vulnerable to liability suits if someone is injured on their property or hurt by an employee. Even if you successfully defend yourself in court, the legal fees alone could put you out of business. Fortunately, casualty insurance products offer a shield against liability claims in a wide range of situations.

What Is Casualty Insurance?

This type of insurance is designed to protect businesses from liability claims. For instance, the injury liability component of your property coverage is considered casualty insurance, along with part of your business auto policy. If a visitor is injured on your property, an employee causes an accident on a job site, or a client suffers damages due to an error on your part, these policies will cover losses up to the limits of your policy.

Different Types of Coverage

Businesses in every industry are subject to different threats, so insurers offer a broad range of casualty coverages for tailored protection. General liability insurance, for instance, covers the cost of customers hurt by defective products and a variety of other situations. Errors and omissions insurance is designed for those in high-responsibility industries, such as accountants and engineers, whose mistakes may cost their clients money.

Choosing the Right Casualty Insurance Policy

Getting the right policy for your business means anticipating potential threats and understanding the possible consequences of a claim. For instance, many small businesses don’t believe they need cybercrime insurance until after a security breach. It’s possible you don’t know how much liability coverage you need. An experienced insurance agent will walk you through the options, explain the risks, and help choose a policy that’s right for you.

Since 1928, the agents at Ebert Agency have helped Foley, AL, businesses protect themselves against the unexpected with policies designed to meet their specific needs. No matter what industry you’re in, their agents will take the time to shop around and compare policies from several leading carriers, ensuring you get the right coverage at the best price available. Visit their website for more on their casualty insurance products or call (251) 943-2281 to request a free quote.