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"A Professional Agency with Personal Service."
SMART INSURANCE AGENCY
Protecting the businesses of Southwest Missouri
Commercial general liability insurance is meant to cover the premises of your business, the activities of your business, and the product of your business, be it a service, a manufactured item, or work you have completed. It can also include retailers, wholesalers, contractor’s, or manufacturer’s activities. .
What you need to know about commercial liability insurance in Missouri
Professional Liability Insurance (Errors & Omissions)
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. We recommend that all professional and technology companies have E&O coverage.
Optional Business Liability Coverages (OBLC)
Optional Business Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights.
Directors and Officers Insurance (D&O)
D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.
To find out more about these, as well as other products and services, contact us and we’ll help make sure you’re properly covered.
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