Topic

Digital marketing

General liability insurance
General liability insurance exclusions

General liability insurance is your company’s first line of defense against many business risks, but it has its limits. Learn these common general liability exclusions to make sure you don’t get caught without coverage.

Business owner's policy
What does a business owner’s policy cover?

A business owner’s policy (BOP) combines general liability insurance with commercial property insurance, often at a discount. It covers broken or stolen laptops and other equipment, client lawsuits, and more.

Property insurance
What does commercial property insurance cover?

Commercial property insurance covers a tech company's building and its contents. That includes furnishings, fixtures, computers, and other equipment and inventory.

Cyber liability insurance
What does cyber liability insurance cover?

Cyber liability insurance covers the costs of a data breach or cyberattack, including legal representation and crisis management. It helps tech companies recover quickly and notify affected clients.

Directors & officers insurance
What does directors and officers insurance (D&O) cover?

Directors and officers insurance covers the legal costs when your business’s board members, directors, or officers are sued over decisions they made on behalf of your company.

Employment practices liability
What does employment practices liability insurance (ELPI) cover?

EPLI protects tech companies against lawsuits filed by employees claiming that their rights were violated.

Umbrella liability insurance
What does umbrella liability insurance cover?

If any incident covered by your general liability, employer's liability (part of workers’ compensation), or commercial auto insurance exceeds your policy limit, commercial umbrella insurance covers the extra costs.

Workers' compensation insurance
What does workers’ compensation insurance cover?

Workers’ compensation covers the cost of medical bills if an employee at your tech company is injured at work or develops an occupational illness. It also protects business owners from lawsuits over injuries and illnesses.

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