Because Stuff Happens. 

There is a sense today that someone, anyone, should be held to blame for unfortunate events, whether deserved or not. That is why General liability, also known as “commercial liability insurance” or CGL is so important. A CGL is a broad commercial insurance policy that covers general liability exposures of a business.

Coverage can typically include your products and completed operations, protecting against the financial loss should you be held liable for property damage, bodily injury or personal and advertising injury caused by your services, business operations, or your employees.

Janecka Insurance recommends general liability coverage for all businesses. Request a quote or call us to learn more at (361) 573-4475.

Additional Liability Coverage

Take a look at the list below for additional liability coverages that you may want to consider.

Directors and Officers Insurance (D&O)

D&O covers directors and officers of a company or non-profit organization for its negligent acts or omissions in a fiduciary capacity that result in a lawsuit. There is a variety of D&O coverage options 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.

Professional Liability Insurance (Errors & Omissions)

Coverage against Errors & Omissions (E&O) provides professionals protection for their actions or failure to act in their professional capacity, when that negligence, error, or omission should cause injury or loss to their clients or others. This type of insurance is particularly important for licensed professionals such as accountants, attorneys, insurance agents, architects, engineers, and technology companies.

Employment Practices Liability Insurance (EPLI)

Employment Practices 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. If you have employees, we recommend considering this type of coverage.