Casualty (Liability) Insurance

We provide complete Personal and Commercial Liability Insurance solutions designed to protect individuals, businesses, and professionals from lawsuits, legal fees, and settlements. Below is a full overview of coverage options, including what they are, why they matter, and typical premium ranges.

Personal Liability Insurance

Protection for individuals and families against accidents, injuries, or property damage claims.

  • What it is: Covers you if someone is injured on your property or if you accidentally damage someone else’s property. Often included in homeowners or renters policies.
    Why it’s needed: Liability claims can result in lawsuits, legal fees, and settlements that could jeopardize personal finances.
    Typical premium: Usually included in homeowners or renters policies; $150–$300/year (~0.05%–0.1% of home value or $30k–$50k personal property coverage).
    Example: $300,000 homeowners policy with $100,000 liability coverage → ~$200/year (~0.07%).

  • What it is: Provides extra liability coverage above homeowners, renters, or auto liability limits, often $1M–$5M.
    Why it’s needed: Protects assets if a catastrophic claim exceeds primary policy limits.
    Typical premium: $200–$500/year per $1M coverage (~0.02%–0.05% of net worth or home value).
    Example: $1M umbrella → ~$300/year (~0.03% of $1M net worth).

  • What it is: Covers bodily injury and property damage you cause to others in a car accident.
    Why it’s needed: Required by law; protects personal assets from lawsuits.
    Typical premium: $500–$1,500/year (~2%–5% of vehicle value).
    Example: $25,000 vehicle, $100,000/300,000 BI/PD limit → ~$1,000/year (~4%).

Commercial Liability Insurance

Protection for businesses, professionals, and organizations against third-party claims.

Person wearing black fingerless gloves typing on a silver laptop keyboard, sitting at a dark surface.

  • What it is: Protects businesses from claims of bodily injury, property damage, and personal/advertising injury.
    Why it’s needed: Essential for all businesses; protects assets and supports client contract requirements.
    Typical premium: $400–$3,000/year for small businesses (~0.1%–0.5% of annual revenue).
    Example: Small retail business, $500,000 revenue → ~$1,200/year (~0.24%).

    Includes coverage for:

    • Premises liability

    • Products & completed operations

    • Contractual liability

    • Personal & advertising injury liability

  • What it is: Covers claims of negligence, errors, or omissions in professional services.
    Why it’s needed: Protects service providers from lawsuits that could exceed business revenue.
    Typical premium: $500–$5,000/year (~0.25%–1% of annual revenue).
    Example: Consultant with $250,000 revenue → ~$1,250/year (~0.5%).

  • What it is: Protects company directors and officers against claims of wrongful acts in management decisions.
    Why it’s needed: Covers legal costs and settlements from shareholder or regulatory claims.
    Typical premium: $2,000–$20,000/year (~0.1%–1% of company revenue or assets).
    Example: Mid-size company with $5M revenue → ~$10,000/year (~0.2%).

  • What it is: Covers claims from employees alleging wrongful termination, discrimination, harassment, or other employment-related issues.
    Why it’s needed: Protects against costly HR-related lawsuits.
    Typical premium: $1,000–$3,000/year for small businesses (~0.05%–0.2% of payroll).
    Example: Company with 10 employees, $500,000 payroll → ~$1,500/year (~0.3% of payroll).

  • What it is: Protects against data breaches, cyberattacks, and online privacy violations.
    Why it’s needed: Covers legal fees, notification costs, business interruption, and fines.
    Typical premium: $1,000–$7,500/year (~0.05%–0.3% of annual revenue).
    Example: Small business, $1M revenue → ~$2,500/year (~0.25%).

  • Environmental / Pollution

    • What it is: Covers liability from pollution events

    • Typical Premium: $2,000–$15,000/year

    • Example: $3M revenue → ~$7,500/year

    Liquor Liability

    • What it is: Covers alcohol-related claims

    • Typical Premium: $500–$5,000/year

    • Example: $200,000 alcohol sales → ~$1,500/year

    Product Liability

    • What it is: Covers defective or harmful products

    • Typical Premium: $500–$5,000/year

    • Example: $1M product sales → ~$2,000/year

    Medical Malpractice

    • What it is: Healthcare provider negligence claims

    • Typical Premium: $5,000–$50,000/year

    • Example: $500,000 clinic revenue → ~$10,000/year

    Crime / Employee Dishonesty

    • What it is: Covers employee theft/fraud

    • Typical Premium: $500–$3,000/year

    • Example: $100,000 coverage → ~$1,200/year

Get a Free Quote.

Interested in working together? Fill out some info and we will be in touch shortly! We can't wait to hear from you!