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Business Liability

Business Liability

Jim's Story

Jim's Jungle.

Jim could remember the first time he exercised at a facility. For him, it was love at first lift. Back then, he was a scrawny 27-year-old who didn’t know the first thing about fitness. Now, he is an extremely health-conscious 65-year-old who is nearing the grand opening of his very own gym, The Jungle Jim.

Jim knew that due to its physicality, people sometimes got injured during cross-fit training. Insurance Maestro was there to help Jim find the best business liability insurance plan, to make sure he was covered in the case of any accidents at the Jungle Jim. Thanks to Insurance Maestro helping Jim through the insurance search, it allowed him to save all his sweating for his cross-fit training.

A Quick Guide to Business Liability Insurance

At Insurance Maestro, we understand you want to find the best Business Liability Insurance possible. It needs to strike the right  balance between affordable and comprehensive. Our friendly team of insurance experts are here to support you, and we’re always happy to answer any questions you might have.

Frequently Asked Questions
about Business Liability Insurance

Does umbrella insurance extend the limits on all business liability policies?

No. It will typically only cover a limited number of liabilities, such as general commercial liability and auto insurance liability. It will not usually extend product and professional liability coverage. However, each insurer offers slightly different terms and options, so it’s always best to check what is and what is not covered with an insurance agent first.

Do I legally have to buy commercial liability insurance?

Always check your local state laws for direct clarification on the type and level of commercial liability coverage your business needs to by to comply with local laws. In many states, buying workers compensation and auto insurance is mandated, and if you lease a property, your landlord might have a clause in your lease that requires you to buy liability coverage. Aside from this, there are specific companies and contracts that will insist you have a minimum level of liability coverage in place before they will do business with you.

How can I save money on commercial liability coverage?

As with all insurance, you can quickly save money on the cost of coverage when you purchase more than one policy from a single insurer. You can also bundle together different commercial coverage into a single policy and save money in the process. For specific sectors, there are courses and preventative measures that can be accounted for in exchange for a small discount. Talk with an insurance expert to get direct answers to any industry-specific needs.

We're Here For You

We want to help you find the best Commercial Liability Insurance for your individual needs and business profile. If you contact us directly, our team of experts will be happy to offer guidance about the different types of coverage you might need to buy.

Thinking about Commercial Liability Insurance for your Business?

Read this first.


At Insurance Maestro, we understand that as a business owner, you need liability insurance to protect your assets, your company, your staff, and your customers. In the event you face legal action, you want reassurance that we’ve covered all eventualities for your people and your business.

Our expert team of commercial insurance experts are here to support you, and we’re always happy to directly answer any questions you might have. We believe your time should be spent focusing on your day-to-day operations, and we’re here to make sure the process of buying liability insurance is hassle-free, informed, and easy.

Your Commercial Liability Insurance Options Explained

As you consider the best ways to safeguard your assets, there are three core types of commercial liability insurance you can buy.

General Commercial Liability
Also known as CGL, there are several layers and levels to choose from. Some CGL policies will include business premises cover, and others won’t. However, the core purpose of a general commercial liability policy is to protect you from third-party claims for bodily injury, advertising injury, or property damage.

Excess liability is often presented in tandem to a CGL policy, and it’s designed to cover claims that go beyond the limits of your underlying liability* policy.

*Most insurers will not offer coverage for professional liability as part any excess liability offering. So, if you are in a particularly high-risk occupation, then you might need to purchase a higher than standard amount of professional liability coverage.

Professional Liability
Also known as E&O (Errors and Omissions) or PII (Professional Indemnity Insurance), this provides coverage against claims of wrong-doing or professional negligence. So, if your business offers consultancy services, guidance or advice, then you will need to buy professional liability coverage.  

Even when there is no fault of the business or its team members, you still need to mount a legal defense, which is both time-consuming and costly. 

Note: Even with a comprehensive general commercial liability policy in place, professional liability insurance must be bought as a standalone policy.

Product Liability
Contrary to popular belief, product liability insurance needs to be purchased by those who sell, repair, refurbish, and distribute goods, as well as those who make or manufacture the product. If an end-user decides to pursue a claim and they are unsuccessful or unable to do so with the manufacturer, (they might be unknown, out of business, or unobtainable); then they are legally able to pursue the company or individual who sold or distributed the product. 

With all commercial insurance, you can adapt the levels of coverage to suit your unique business needs. Our team can help you determine the optimum levels of coverage for your industry and company needs.

Got a question? We’ve got answers.

Our team of Commercial Insurance experts will be happy to discuss your unique needs. Contact us today, and we’ll work through the options for you, leaving you free to focus your attention back on your business.

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