Business owners and business professionals face a number of liability concerns on a regular basis. You need the freedom to do your job without worrying about liability, which means you need an insurance agency you can trust. Heritage Risk Advisors works with business professionals like yourself to provide liability coverage and risk management solutions that can set your mind at ease.

Heritage Risk Advisors offers a full menu of liability insurance options. We’ll take the time to learn about you and your business. Then we’ll shop our network of insurance providers to find viable solutions for your organization. Popular liability products available now include the following:

General Liability Coverage

Commonly known as slip-and-fall insurance, general liability coverage protects businesses from more than lawsuits related to someone falling and getting injured on your premises. This insurance protects you from the general risks of day-to-day business. Those risks differ from company to company, but Heritage Risk Advisors has customizable policies to meet the needs of most businesses, regardless of your industry.

Crime Insurance

Protect yourself and your company from liability for crimes committed by employees or customers. A crime insurance policy protects against common threats such as

• Employee dishonesty
• Computer fraud
• Theft
• Property destruction

Cyber Liability and Data Breach Protection

Important for any business that takes credit card payments, cyber liability is one of the most important forms of commercial insurance protection available today. Identity theft is on the rise, and a data breach at your store, restaurant, clinic or other place of business could leave you responsible for hundreds of thousands of dollars in damages. Call Heritage Risk Advisors today to learn about the protection provided by a cyber liability policy.

Other Liability Coverage

Depending on your type of business and the number of employees you have, you may need other types of liability insurance as well. Available policies also include

• Professional liability insurance (errors and omissions)
• Directors and officers (D&O) liability
• Employment practices liability insurance (ELPI)
• Workers compensation insurance

Heritage Risk Advisors understands the insurance needs of business professionals. Contact us today to learn more about our liability policies and risk-management solutions.

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