Liability Coverage

Liability Insurance That Has Your Back

Every business—no matter the size or industry—faces legal risk. Whether it's a customer slip, a data breach, or a professional dispute, the right liability coverage can protect your business from serious financial harm.



While we’re based in San Francisco, we serve businesses nationwide. From startups to established firms, we help you build a custom protection plan that’s clear, compliant, and ready for real-world situations.

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What We Cover

  • Commercial General Liability (CGL): Covers third-party bodily injury, property damage, and legal defense—ideal for most businesses.


  • Professional Liability (Errors & Omissions): Essential for consultants, advisors, and service-based businesses offering expert advice or care.


  • Liquor Liability Insurance: Required for bars, restaurants, or venues that serve alcohol—protects against alcohol-related claims.


  • Cyber Liability Insurance: Covers costs associated with data breaches, cyberattacks, and compromised customer data.


  • Employment Practices Liability Insurance (EPLI): Protection against claims of harassment, wrongful termination, discrimination & more from employees.


  • Special Event Insurance: One-time or short-term coverage for liability related to weddings, pop-ups, fundraisers, and other gatherings.



  • Commercial Umbrella Insurance: Extends your liability limits beyond your existing policies (like CGL or auto). Ideal for businesses needing extra protection from large lawsuits or catastrophic claims.
Why It Matters

Protection Against the Unpredictable

In today’s business landscape, even small issues can lead to large legal claims. From lawsuits to regulatory issues, liability insurance helps you manage risk without draining resources—or reputation.



We’ve helped businesses across industries secure affordable, scalable liability coverage that aligns with their actual exposure. If you're unsure what level of protection you need, we're here to walk you through it clearly and quickly.

FAQ

  • Do I really need liability insurance for a small business?

    Yes. Even small businesses face potential lawsuits. General liability insurance is often required by landlords, lenders, and vendors—and it protects you from common risks like property damage or injuries.

  • What’s the difference between general & professional liability?

    General liability covers physical risks (like customer injury or damage). Professional liability covers service-related risks—like mistakes, missed deadlines, or incorrect advice.

  • Is cyber liability only for tech companies?

    Not at all. Any business that stores customer data, processes payments, or uses digital systems can benefit from cyber liability insurance. It helps cover costs after a breach or cyberattack.

  • What does EPLI typically cover?

    EPLI protects your business if an employee files a claim related to discrimination, harassment, wrongful termination, or workplace misconduct. It helps with legal fees, settlements, and defense costs.

  • Can I get liability coverage for a one-time event?

    Yes. Special event insurance is available for weddings, pop-ups, conferences, and more. It’s an easy way to manage risk without a long-term commitment.

Get In Touch Today

Ahead of Risk with Smart, Simple Protection

Ready to protect your company from the unexpected? Whether you're running a business in San Francisco or operating nationwide, we're here to help you stay ahead of risk.