Specialized Insurance Coverage for Unique Business Risks

If your business serves or sells alcohol, you could be held responsible for accidents caused by intoxicated patrons. Liquor liability coverage protects you from claims involving bodily injury or property damage linked to alcohol service. In some locations, it’s legally required, but even when it isn’t, it’s an essential safeguard for bars, restaurants, and breweries.

For businesses operating overseas, foreign liability coverage protects your employees, assets, and operations abroad. This can include policies for foreign commercial auto, worker’s compensation, and even travel assistance. Whether you’re stationed abroad permanently or managing international projects, this coverage helps reduce the risks of doing business outside the U.S.

Theft, vandalism, and employee dishonesty can take a serious financial toll. Crime liability coverage reimburses you for losses caused by criminal acts, whether on or off your property. For small business owners in particular, this protection can be critical, since recovering from crime-related losses out of pocket can be costly and time-consuming.

With so much business happening online, cyber liability coverage is more important than ever. It protects against issues like data breaches, cyber extortion, and fraudulent fund transfers, as well as claims tied to harmful online content. Nearly half of all cyberattacks target small businesses, making this coverage essential for anyone operating a website, handling customer data, or selling online.

If your business stores sensitive customer information, like credit cards, social security numbers, or medical records, data liability coverage helps protect you from the fallout of data loss, misuse, or corruption. It can cover identity protection services for clients, public relations costs, and legal fees. It’s a must for any company that values client trust and handles personal data.

Environmental risks don’t just apply to large manufacturers. Any business that uses chemicals, fuels, or fertilizers could face liability if an accident leads to contamination or environmental damage. Environmental liability coverage helps with cleanup costs, third-party claims, and legal expenses. From dry cleaners and auto shops to salons and landscaping companies, this coverage ensures you’re not left shouldering the cost of environmental harm.

Standard policies are designed to protect against common risks, but they can’t anticipate everything. Specialty coverage fills in the gaps, ensuring your business isn’t exposed to liabilities unique to your industry. It’s about tailoring insurance to your real-world risks, so you can focus on running your business with confidence.