Small Business Insurance

Having general liability insurance — also known as business liability insurance — ensures your business has a safeguard in place to protect against claims. This coverage aids in situations where you frequently interact with clients, access your customers’ property or use third-party locations. Without it, you’ll be solely and legally responsible for covering the costs if someone gets hurt or property gets damaged.

At XINSURANCE, we’ll keep you protected. We provide coverage for all kinds of small businesses, including:

• Automotive
• Consulting
• Contractors
• Landscaping companies
• Outdoor guides and tours
• Amusement and recreation
• Restaurants and bars
• Entertainment industry
• Pet services
• Personal trainers
• Real estate agencies
• Car wash services
• And much more

No matter the size or type of your small business, there are several reasons to have general liability insurance. Even when you take steps to minimize potential problems, there are risks involved in running any business.

With general liability insurance, your small business will have increased financial protection to navigate and overcome claims. Lawsuits can result from reasons ranging from omissions to slander to negligence. Even if you are a contractor, it’s still important to have general liability insurance, as you’ll be susceptible to the same risks in the workplace.

Some of the most common claims involve:

• Property damage
• Bodily injuries
• Medical payments

At XINSURANCE, we offer different kinds of liability coverage solutions for small businesses. You can customize your policy that meets your individual needs or work with an underwriter to evaluate your needs.

Some popular coverages include:

• Active Shooter Liability Coverage: Liability protection during an active shooting taking place at your company’s property.
• Alleged Assault and Battery Liability: Coverage for claims against you regarding assault or battery.
• Alleged Sexual Abuse and Molestation Liability: Coverage for claims against you regarding sexual abuse or molestation.
• Animal Liability: Provides coverage for third-party bodily injury and property damage caused by an animal you own.
• Commercial Auto (available in most states): Provides auto liability coverage in most states for your company- or personally-owned vehicle that is primarily for business purposes.
• Commercial General Liability: Provides coverage for injuries and property damage sustained by third parties.
• Communicable Disease Coverage: This policy enhancement provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including the virus that causes COVID-19.
• Directors and Officers (D&O): Protects people from personal losses if they are sued for serving as a director or an officer of an organization.
• Equipment Coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
• Firearms Liability (available in most states): Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use in most states.
• Hired & Non-Owned Auto (available in most states): Covers expenses for third-party property damage and bodily injury when an accident occurs with a vehicle used for business purposes that the company doesn’t own.
• Individual/Personal Liability: Personal liability protection in the event of an accident and a claim is made against you.
• Liquor Liability: Coverage for businesses that provide alcohol sale, service, or furnishing.
• Motor Truck Cargo: Covers physical damage while transporting goods.
• Pollution Clean-Up: Covers the costs associated with pollution clean-up caused by your business.
• Premises Liability: Protects against claims for slips, trips, and falls on the property due to negligence.
• Products Liability: Protects your business from claims that a product you made, sold, or distributed caused third-party bodily injury or property damage.
• Professional Liability: Coverage for claims regarding negligent acts and more.
• Property Coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
• Riot and Civil Commotion Liability Coverage: Liability protection against claims made from a riot or civil commotion.
• Special Events Liability: Covers bodily injury to a guest and property damage to the venue — such as the building or its equipment — for private and public events.
• Tru Umbrella / Excess Liability: Additional coverage to fill the gaps and exclusions in your existing policy.
• Weapons Coverage: Coverage for third-party property damage and bodily injury caused by a weapon used for personal or commercial purposes.

Don’t see a coverage you’re looking for? We may be able to help you still. Because we provide customized coverage, all you have to do is let us know what you need to be covered, and we’ll find a policy that suits your needs. Please note that we do not provide workers’ comp.

We encourage you to reach out to learn more or browse our complete product line to get started.