Liability Insurance Overview
There are many types of insurances both broad and specific that you can utilize for your business. Each protect you from different areas of risk your business may face in the course of a normal workday. Below are some of the common and important insurances you can find through The Curtis Owens Agency.
Types of Liability Insurance
General Liability
General liability insurance offers compensation if someone is injured or their property is damaged on your business’ property. It also covers personal and advertising injury, which includes claims of libel, slander, malicious persecution, copyright infringement and more.
Professional Liability
Professional liability covers claims of professional negligence filed against your business. If your company or employees offer a specialized or professional service that causes a client to lose money, this policy can provide compensation.
Products Liability
Products liability covers bodily injury and property damage that may be caused by a product offered or manufactured by your business.
Cyber Liability
Cyber liability covers claims and damages involving data that is stored electronically, such as cyberattacks and data breaches.
Umbrella Liability
Umbrella liability insurance fills in the gaps left by your other liability insurance policy. If one liability policy reaches its limit for a claim, umbrella liability can step in to cover the remaining expenses.
You can often combine general liability with commercial property insurance into a single Business Owners Policy. This policy is a flexible package policy that combines coverages for small businesses.
Insure Your Business Today
Protect your hard work with the right policy at the right price. Speak one-on-one with a dedicated agent from The Curtis Owens Agency at (606) 784-3575 or fill out an online quote form to get started.
Why Choose Owens?
We know Kentucky
Proudly serving Kentucky since 1985, we understand the unique risks that face you or your business.
One-on-one customer service
Your personal agent will work with you every step of the way to keep you or your business protected.
Access to the best carriers
Get access to the best coverage and rates from the nation's top carriers.