Protect Your Business with Comprehensive Commercial Liability Insurance

Coverage for third-party claims—so you can focus on growth, not lawsuits

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Liability Insurance for small businesses

Commercial Liability Insurance for Small Businesses

Liability claims can arise from accidents, professional errors, or catastrophic losses—and one lawsuit can threaten everything you’ve built. At Peterman Insurance Services, our expertise helps you choose the right liability policy for your risks, whether it’s general liability, professional liability, or an umbrella policy, so you stay protected and compliant.

General Liability

Guard against third-party bodily injury and property damage claims. Learn more on our General Liability page.

Commercial Umbrella
Add high-limit excess liability protection above your primary policies. See how it works on our Commercial Umbrella Insurance page.

Professional Liability Protection

Safeguard your services from negligence claims and errors & omissions. Explore details on our our Professional Liability page.

Your liability insurance Questions, Answered

Find straightforward answers to common liability insurance questions—so you know which policy fits your business and how to reduce your exposure.

It’s a policy designed to cover legal defense costs and damages if your business is sued for bodily injury, property damage, or professional errors involving third parties.

If you provide services or advice, professional liability (errors & omissions) covers claims that general liability excludes. Most businesses benefit from both coverages.

It sits above your primary liability policies—automatically providing additional limits when you exhaust your underlying coverage, without separate claim forms or deductibles.

Underwriters consider your industry, revenue, claims history, risk controls (like safety training), and limits chosen. We’ll review your operations to optimize both coverage and cost.

Typical limits start at $1 million per occurrence/$2 million aggregate, but your exposure may warrant higher limits or an umbrella. We’ll analyze your risk profile and contractual requirements to recommend the right limits.

Yes—combining liability, property, and workers’ compensation under a Business Owners Policy (BOP) or through multi-policy discounts often lowers your overall premium.