Even if you take every precaution to remove all possible hazards from your business,  you still could be sued for accidents resulting from the carelessness of any visitor.  That is why Business Liability Insurance is a must.

Yes,  you can protect yourself and your business from financially devastating claims that may occur because of events over which you have minimal control. Business Liability Insurance serves to protect against the unknown risks posed by products, directors & officers, errors & omissions, discrimination and other such liabilities.

BUSINESS LIABILITY INSURANCE FOR SMALL TO MEDIUM SIZED COMPANIES

MJM Insurance™ of Fenton provides Business Liability Insurance from top-rated insurers to Manufacturers, Wholesale, Retail, Services, Transportation, Construction, Commercial Real Estate, Contractors, Restaurants, Hotels, Apartments, and many other businesses in Missouri.   We have the experience and the necessary resources to analyze and recommend the correct amount of Business Liability Insurance for your small business.

Protecting your Assets and Liabilities

Our exposure analysis identifies your business’ risks and recommends the optimal blend of insurance coverage and risk management. This generally involves a combination of:

• Workers Compensation

• Property Liability

• Business Auto Insurance

• and More

Business Liability Insurance Features

Business liability insurance coverage insures your business in the event of accidents and injury that might occur on your premises and exposures related to your products. It will protect your business from possible huge payments for bodily injury or property damage to a third party and for medical expenses resulting from the underlying incident. It will also absorb the cost of defending lawsuits that may include investigations or settlements, and for any judgments or bonds required during an appeal.

What You Need to Know About:“EPLI”

Employment practice Liability Insurance can protect you and your business from events that are not covered under most general liability insurance policies such as:

• Discrimination (failure or refusal to hire or any other wrongful treatment of people based on their race, sex, color, religion, sexual orientation, age, disability or other status that is protected by federal, state, or local statute or ordinance);

• Harassment (of either a sexual or non-sexual nature); and

• Wrongful Termination (any actual or alleged wrongful dismissal, discharge or termination of employment, including breach of contract).

Your reaction to bad behavior may be completely justified; it may even be a smart business decision that would appear to be beyond reproach.  But, if you’re challenged, and you have to go to court to defend yourself, you’re on your own unless you have Employment Practices Liability Insurance.  And the cost of defending these claims can be HUGE! In Fact In Most Cases The Cost Of Defense Is The Greatest Cost!

What Should You Do Next?

Regardless of whether you’re a small contractor, large employer or a small business owner, we can provide  liability insurance coverage for your business at an affordable cost.

INSURANCE FOR DIFFERENT BUSINESS TYPES

On the right sidebar of this page, we have include links to a number of business insurance resources.  Click on any of the different business types to learn more about the insurance coverages for that type of business.   Please call one of our commercial insurance agents  for any assistance.