Commercial Liability Insurance
Specialty liability insurance solutions tailored to your needs.
Get StartedWhen traditional insurance leaves you exposed, XINSURANCE steps in to fill the gaps.
Buying the cheapest insurance could be the most expensive mistake you ever make. We provide TRU Insurance solutions to businesses in all 50 states.
Why Your Business Needs Commercial Liability Insurance
Commercial liability insurance, or commercial general liability (CGL) insurance, helps protect your business by covering the costs if someone gets hurt or their property gets damaged because of your business activities. This coverage can also help cover incidents caused by a company’s operations, products, or on its premises. It is designed to shield your business from financial losses due to lawsuits for bodily injury, property damage, and other liabilities.
Remember, choosing the cheapest option might mean you’re more self-insured than you realize, facing more significant financial stresses when a claim rolls in. Embrace a TRU insurance partner that doesn’t just protect but supports and defends your business fiercely, day in and day out, through any disasters your business might face.
XINSURANCE offers commercial liability insurance solutions for businesses of all sizes, including those considered high-risk or have a claims history. Get a CGL insurance quote today!
Types of Businesses We Can Help
Commercial liability insurance is vital for a wide range of businesses to protect themselves from financial risks associated with their operations. Here are some common types of businesses that typically need this insurance:
- Rental Companies
- Restaurants & Bars
- Amusement Parks
- Auto Repair Shops
- Retail Stores
- Gyms
- Car Dealerships
- Construction Firms
- Manufacturing Companies
- And More!
Commercial Liability Coverage Options from XINSURANCE
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Firearms Liability*
Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.
*Available in most states
Inland Marine
Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.
Liquor Liability
Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
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. Learn more.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Riot and Civil Commotion Liability
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. Learn more.
Weapons Coverage
Coverage for third-party property damage and bodily injury caused by a weapon that was used for personal or commercial purposes.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Commercial Liability Insurance
Is commercial liability insurance required by law?
In most jurisdictions, certain forms of liability insurance are required for businesses, though the requirements vary by location and industry. While commercial liability insurance may not be legally mandated, it is often necessary for contracts or leases.
What coverage do I need for my company's insurance policy?
The type of insurance coverage needed will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick the coverage you want to have on your insurance policy.
How much commercial liability insurance do I need?
The amount of coverage varies based on your business risks. Many small businesses start with a policy limit of $1 million per occurrence/$2 million aggregate, but larger companies or those in high-risk industries may need more. XINSURANCE can offer limits of up to $20 million tailored to your needs.
What is the difference between claims-made and occurrence policies?
Claims-made policies provide coverage for claims filed during the policy period, regardless of when the incident occurred. Occurrence policies cover incidents that happen during the policy period, regardless of when the claim is filed.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does commercial liability insurance cost?
The cost of commercial liability insurance can vary widely based on the business size, experience, industry, location, and coverage needs. Small businesses might pay a few hundred to a few thousand dollars annually, but larger companies will face higher costs.
It is important to remember that buying cheaper insurance can cost you more in the long run. When you buy the cheapest insurance and make a claim, you often find out you aren’t covered, and/or your insurance carrier will cancel your coverage. If you want an insurance partner who provides true insurance coverage solutions and stands by your side when things go wrong, then you need XINSURANCE!
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team for Tackling the Unexpected
Fighting for You Is What We Do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements Are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All in One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
