Protecting your Missouri businesses

• General liability

  Protects the insured from their negligent acts that cause bodily injury and property damage claims arising out of their premises, products and/or business operations. Claim from Personal injury (libel and slander) and Advertising Injury are also included. Gallaher Insurance recommends that all businesses have commercial liability insurance in place.

• Professional Liability

  Also known as Errors and Omissions insurance, professional liability insurance protects you and your business from potentially catastrophic litigation caused by charges of professional negligence or failure to perform your professional duties. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Gallaher Insurance 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, Gallaher Insurance 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.

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.

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