Comprehensive Liability Coverage to Protect Your Business
Shield your business from the unexpected with our range of liability solutions.
Liability is one of the most essential forms of protection for businesses, covering legal fees, settlements and damages when accidents or unforeseen events occur. With Buffer Insurance, you can tailor your liability coverage to suit your specific needs, bringing you peace of mind no matter what challenges come your way.
Types of Liability Coverage
General Liability:
Protect your business from common risks, including third-party injuries and property damage. General liability coverage ensures you’re covered for legal fees and potential settlements.
Excess Liability:
When your primary liability limits aren’t enough, excess liability steps in to extend coverage. It’s an extra layer of protection against substantial claims.
Cyber Security Liability:
In today’s digital world, protecting your business from cyber threats is essential. Cyber security liability covers data breaches, cyberattacks, and associated recovery costs.
Directors & Officers:
Protects the personal assets of your executives and board members from claims made against them while serving your business. D&O coverage includes defense costs, settlements, and judgments arising from accusations of wrongful acts, mismanagement, or breaches of fiduciary duty. Whether you’re a growing startup or an established corporation, this coverage ensures your leadership can focus on guiding your business without fear of personal liability.
Employment Practices Liability (EPLI):
EPLI protects your business form lawsuits related to employment practices, including wrongful termination, discrimination, sexual harassment, and wage disputes. With this coverage, you’re prepared to handle employee-related claims and the associated legal feels. EPLI is especially important as workplace regulations evolve, allowing you to remain protected even as your company grows.
Professional Liability (E&O):
Professional Liability, or E&O insurance, safeguards your business from claims of negligence, misrepresentation, or errors in the services you provide. If your advice or professional services lead to financial loss for a client, this coverage ensures your business is protected from the legal and financial fallout. E&O is essential for industries where expertise is your product, such as consulting, legal, financial, and healthcare services.
Home-Based Business:
For entrepreneurs operating from home, this coverage bridges the gap between personal homeowners insurance and the risks of running a business. It protects you from claims related to your business operations, including product liability, customer injuries on your property, or business property damage. With Home-Based Business Liability, you’ll have the confidence to run your business knowing that both you and your business assets are protected.
Buffer’s Approach to Liability Coverage:
At Buffer Insurance, we don’t just provide coverage – we partner with you to understand your risks and create a liability package tailored to your company’s needs. Our commitment to education over selling means you’ll have a deep understanding of your coverage, giving you the confidence to focus on what matters most.
