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liability insurance guide

A Guide to Liability Insurance

Liability insurance is mentioned a lot, especially if you run a business or participate in activities that are deemed “high-risk.” You may already be aware that liability insurance is something you need, but are you aware of what it is and what it does for you?

At XINSURANCE, we want everyone to be comfortable with the ins and outs of liability insurance. So, we’ve put together a quick guide to liability insurance for you.

A Guide to Liability Insurance – What is Liability Insurance?

Every activity or occupation carries a certain amount of risk. Sports coaches run the risk of their athletes getting injured on their watch. Owners of commercial vehicles run the risk of their vehicles getting involved in an accident and causing damage to property or a person. And owners of dogs are probably aware of the chance that their dog could bite someone.

While we can all take steps to minimize risk – such as implementing safety procedures and equipment or ensuring equipment is well-maintained and functional – we cannot eliminate risk. This is where liability insurance comes in. It acts as a safety net for the remaining risk.

Liability insurance is coverage for you or your business, should you be held liable for damages against another individual or property. Being sued can easily bankrupt a business or individual. Ensuring you have coverage in place can safeguard you from expensive lawsuits.

Doesn’t My Home or Business Insurance Include Liability Coverage?

Some liability coverage is usually included in your home insurance or business insurance policies. It is typically not comprehensive enough, however, or you may find it contains many exclusions. A common issue for home insurance policies, for example, is that many breeds of dogs and dogs with a bite history are excluded.

Surely I Don’t Need Liability Insurance as Long as I’m Careful?

In this guide to liability insurance, we want to make it clear that no one is 100% safe from liability claims unless they have an adequate policy.

The facts and figures are sobering and show that anyone can fall victim to a liability claim. Having the right coverage in place protects you when it matters most.

Guide to Liability Insurance Coverages

A liability insurance policy will typically offer coverage for the following:

  • General liability
  • 3rd party bodily injury
  • 3rd party property damage

It may also include:

  • Active shooter
  • Alleged assault and battery
  • Alleged sexual abuse and molestation
  • Animal
  • Commercial auto (not in all states)
  • Commercial general
  • D&O, E&O
  • Equipment rental
  • Excess medical
  • Flood
  • Homeowners
  • Personal
  • Products
  • Professional
  • Property coverage
  • Spectator
  • Theft, burglary
  • Wrongful acts
  • And more

Depending on the policy, it may also include other types of liability coverage. A good policy is customized.

What if I’ve Been Refused Coverage or Have a Claims History?

Many insurers flat out refuse to offer coverage to anyone with a claims history or to individuals that carry out “risky” activities. The good news is that not all insurers are the same.

At XINSURANCE, we believe that everyone has the right to liability coverage, even if they’ve been refused coverage in the past. We take a unique, all-in-one approach to assess experience levels and/or operations to create a fully tailored policy that provides an adequate level of liability coverage.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We’ve been providing expert liability coverage for over 30 years. And we are extremely proud to offer a huge product line. XINSURANCE is, therefore, able to provide coverage when other insurers are not.

How Do I Get in Touch With XINSURANCE?

If you would like to understand more about our guide to liability insurance or receive a quote, you are welcome to contact us in one of the following ways:

  • Website
  • Phone: 877-585-2853
  • Email:
  • Visit our offices:
    • 8722 S. Harrison Street, Sandy, Utah 84070
    • 1 S. Dearborn Street #800, Chicago, IL 60603
    • 700 11th St. South, STE 201, Naples, FL 34102
    • 690 Stockton Drive, Suite 100, Exton, PA 19341

Additionally, you can keep up to date with XINSURANCE in the following ways:

We hope you found this guide to liability insurance useful. If you would like to find out more, please get in touch with our friendly team today.