Commercial Liability for Business Operations
Accidents will happen, and a Liability policy protects your business assets in the event of a lawsuit. There are slip and falls at properties, contractor’s damage at the jobsite and unintended actions of your employees that may put you at risk for a claim. Our agents can assist you in considering which Liability insurance package gives you the most appropriate coverage for your business.
When clients are sued for their negligence, insurance is there to pay for legal costs and damages. Hillcrest agents work with our clients during the claims process for a timely settlement.
We know that Certificates of Insurance are important to show insurance coverage to your customers. Certificates, mortgagee requests and insurance updates are handled as priorities by our agents for you.
Trust Hillcrest to Take Care of Your Commercial Liability Insurance
Real Estate Investors, Contractors, Architects, Engineers, Healthcare Professionals, Manufacturers and Business Owners insure with Hillcrest Agency for Commercial and Environmental Insurance. Clients trust our agents to take care of their insurance promptly and efficiently to save them time. Because you depend on us to provide the knowledge of coverage and claims, we strive to keep up to date on new policy enhancements. While there is insurance for most everything, we also understand your need to choose insurance that protects for your particular business risks for a reasonable premium.
Commercial General Liability
Bodily Injury and Property Damage can occur when a contractor makes a mistake or someone falls at your business location. Coverage for an injury due to your products or services is included under the General Liability policy.
Professional Liability Insurance
If you are a consultant or provide professional services, you need Professional Liability insurance. Your customers have an expectation of quality service. Should you be negligent in performing those services, insurance will pay for your legal costs as well as damages for their injury.
The basic $ 1,000,000 Limit of Liability is often not sufficient to protect you in a large claim with multiple injured parties and extensive property damage. An Umbrella policy can extend the basic limit of coverage on the General Liability, Auto and Workers Compensation policies. It is a cost effective way to get extra coverage on several types of policies.
Employee injuries sustained in the course of their work are covered under Workers Compensation. States have different regulations regarding workers and work related injuries. It is important to include coverage for states where your business operations are located and where you perform services.
Employment Practices Liability
This coverage will protect against lawsuits from employees for harassment, discrimination, wrongful termination and invasion of privacy. Most business owners have procedures in place to guard against these issues. However, there has been an increase in these lawsuits in recent years.
Directors & Officers Liability
When serving on a board of directors, you are required to perform certain functions for the organizations. Should you make decisions that are harmful to the organization, damages are paid under this coverage. Non-profit organizations want to protect their board members for volunteer positions.
We rely on our computers and the internet to run our businesses. Should there be an interruption in service or virus, Cyber Liability gives us the resources to get back in business. State privacy laws determine our level of responsibility and actions after a breach. Cyber insurance pays for legal assistance, forensics and notification costs. You are responsible for protecting personal, client and employee information. This insurance is necessary.
Let's Save You Time
Hillcrest agents streamline the paperwork, provide fast turnaround for service requests and coordinate claims so our clients can spend time growing their business.
28 Main Street
Essex, CT 06426
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