Business Insurance
When running a business, you wear many hats…Insurance does not have to be one of them. We understand that each business is different, and we cater to your specialized needs to keep you safe.
With our online client center and excellent customer service we are ready to serve.
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Commercial General Liability plans offered by Liberum Insurance can prevent you from facing significant major financial losses if your business is sued or held lawfully accountable in case of bodily injury or damage. Our general liability insurance plans are tailored to your needs and cover most medical expenses, legal/attorney payments, settlements, and reimbursements.
Our coverages include premises liability, products and completed operations, premises medical, fire legal liability, garage keepers’ liability, employment practices liability, and casualty coverage.
Professional liability insurance protects businesses and professionals, e.g., doctors, accountants, attorneys, etc., against negligence and other claims from their clients. Every business offering a service and all professionals specializing in a specific area need professional liability insurance. That’s because general liability insurance cannot protect against claims arising due to business/ professional practices like negligence, malpractice, or misrepresentation.
At Liberum Insurance, we specialize in analyzing the risks associated with your service and offer customized and affordable professional insurance coverage.
Workers' compensation insurance provides medical, disability, rehabilitation, survivor, and burial benefits to employees injured or killed due to a work-related injury or illness. In most states, it’s legally mandatory for businesses to have workers’ compensation coverage. It financially protects your business and your employees and safeguards you from the risk of a lawsuit.
Liberum Insurance is your ideal and trusted workers' compensation insurance partner. We offer comprehensive, affordable insurance packages with an easy documentation process.
A Business Owners Policy (BOP) combines different coverages into one plan to protect your small or medium-sized business assets. It typically includes:
Liberum Insurance offers Business Owners Policies tailored to your business needs. Our team can help you obtain affordable and personalized BOP.
Any vehicles used by your business for commercial purposes require the same kinds of insurance coverages as your personal vehicles, i.e., liability, collision, comprehensive, medical payments, and uninsured/ underinsured coverage. Your personal auto insurance cannot adequately cover your business vehicle in a mishap.
Talk to our team at Liberum Insurance for more information on commercial auto insurance. Also, if you use your commercial vehicles for personal tasks, keep the business name as the "principal insured" on the policy to prevent any confusion while filing claims.
Contact UsA typical small business in Georgia can expect to pay anywhere between $300 and $5,000 annually for their general liability policy. The final cost of liability coverage from one business to the next will vary significantly based on the SIC code or the insurance company's own classification system for GL rating.
The purpose of insurance is to help protect your business from these risks. Business insurance helps protect your business's financial assets and intellectual and physical property from Lawsuits—property damage.
Business insurance can help pay the costs of property damage, lawsuits, lost business income, and other covered losses. To help protect against specific risks unique to their situation, businesses often buy multiple coverages and combine several in one policy. A Business Owner's Policy, for example, combines property, general liability, and business income coverage into one convenient policy.