Commercial Liability Insurance

Commercial liability policies can feature variable coverage levels. One level is premises coverage, which protects against claims that take place on the insured business's physical location during normal operations. It can also provide coverage for bodily injury or property damage that occurs at a separate location but is from a product or service from the insured.

Many commercial liability policies have coverage limits that cap your insurance benefits. Excess liability coverage fills these gaps by protecting you against claims that exceed these limits. If there are exclusions in the policy, meaning carve outs of certain items that are not covered, excess liability can protect against those as well. Your insurance agent can walk you through your options and help determine whether you need excess coverage or not.

The cost of your commercial liability depends on the size of your business, type of products and services you offer, number of employees, and more. Larger companies require more coverage, meaning your premium will be higher. The agents at Otto Insurance Group can show you how much you could pay when you request a quote. You can do so using our online form.