General Liability Insurance
Protecting the Businesses of South Carolina
General liability, also known as “commercial liability insurance,” is a broad commercial insurance policy that covers general liability exposures of a business. Coverage usually includes product liability. H & H Insurance Brokers recommends that all businesses have general liability coverage in place.
South Carolina – What You Need to Know About Commercial Liability Insurance
Look below for additional general liability coverages that are often available.
Professional Liability Insurance (Errors & Omissions)
Errors & Omissions (E&O) policies cover 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, real estate agents, architects, engineers, and technology companies. H & H Insurance Brokers recommends that all professional and technology companies have E&O coverage.
Employment Practices Liability Insurance (EPLI)
EPLI for employers covers employment‐related liabilities other than on‐the‐job injuries. This can include legal fees and damages for lawsuits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, H & H Insurance Brokers recommends considering this type of policy.
Directors and Officers Insurance (D&O)
D&O 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 D&O coverage available, such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to also include coverage for employment practices liability. Coverage usually includes product liability. H & H Insurance Brokers recommends that all businesses have a general liability policy in place.
We will offer insurance plans customized to each individual and business while consistently offering quality service.