Commercial Liability

Protecting your Texarkana businesses

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Offenhauser recommends that all businesses have general liability coverage in place.

• Professional Liability Insurance (Errors & Ommissions)

  Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Offenhauser recommends that all professional and technology companies have E&O coverage.

• Employment Practices Liability Insurance (EPLI)

  Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Offenhauser recommends considering this type of coverage.

• Directors and Officers Insurance (D&O)

  D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

• Medical Malpractice

  For over 100 years Offenhauser has provided a team of professionals to assist in managing the unique liability risks in the medical community. Our specialists have provided programs in four states with access to many of the preferred and specialty insurance markets to protect your exposure. Whether insuring a single nurse practitioner or designing a fronting program for a multi-specialty clinic, our team is prepared to address your needs.

To find out more about these, as well as other business insurance products and services, call us and we’ll help make sure you’re properly covered.