With more and more lawsuits filed every day, your business could be at risk for costly and time-consuming litigation. It’s estimated that anywhere between 35 and 50 percent of small businesses are involved in at least one litigation during a given year – with a majority of cases costing over $10,000.
 
Regardless of the industry you serve or type of business you have, there are a number of ways it could be liable for legal redress. From your physical address to how customers interact with your employees, there are many scenarios that could leave you in a legal hot seat. That’s why we offer multiple coverage options and an experienced team who can help you identify how to best mitigate your legal risks.
 

Liability Coverage Options

Potential Risks

Avon-Dixon Solution

Liability Coverage

  • Property Damage
  • Bodily/Personal Injury
General Liability Insurance Protecting you, your storefront/office, and your employees from claims involving injury or property damage, this policy is a standard protection policy against know and unknown threats.
  • Cyber Attack/Extortion/Terrorism
  • Stolen Network Assets
  • Online Regulation Penalties
  • Multimedia Suits
Cyber Liability Insurance In the digital age, cyber risk has never been higher.  If you keep electronic customer data or operate online, you can count on some added legal risk.  Our agents will work with you to develop a policy that will address how your business operates in the digital sphere.
  • Improper Employment Practices
  • Fiduciary Consequences
  • Communicated Falsehoods
  • Group Personal Excess
Directors & Officers Insurance Your directors and officers can be held personally responsible for acts of the company or those on behalf of it. This  policy can protect their personal assets from risk.
  • Equipment
  • Real Estate
  • Business Property
  • Employer's Liability
Excess Liability Insurance In the event of an accident or lawsuit, you need to be sure you have enough coverage to protect your assets.  Our agents will work with you to identify any excess coverage you may need per your business' needs.
  • Emergency Travel Services
  • Kidnap/Extortion
  • Evacuation
  • Overseas Property Damage
  • Overseas Lawsuit/Injury
Foreign Liability Insurance Doing business in foreign countries incurs its own set of risk - including different procedures, lawns, languages, and customs.  Protect yourself, your employees, and your reputation abroad with a foreign liability plan that makes sense for your overseas operations.
Errors & Omissions Negligence Financial Loss Professional Liability Insurance For service - or advice-centric businesses, you may want to be protected against the potential for improper counsel or oversight.  Commonly referred to as Errors and Omissions (E&O) Insurance, these policies generally protect against financial threats and non-physical damages claimed.

Finding the Right Business Liability Policy for You

Depending on your business – the products and services you sell, where you operate, your employment structure, and more – your level of risk could vary. Our experienced agents can help you better understand your business’ unique risks, the types of business liability insurance, and available policies to protect both you and your livelihood. It’s time to rethink the old adage that without risk there’s no reward. Mitigate your risk today, without sacrificing the reward of all your hard work. Let our team at Avon-Dixon help you find the best policy for you. Contact us to set up a meeting today!
 
 

Allow us to shop and compare insurance options for you! As an independent agency, we can obtain multiple quotes from various companies to help you select the best policy at no additional cost to you. 

Proudly Serving Families and Businesses on the Mid-Shore Since 1850