Business Liability Insurance

Make informed decisions for your business...


At the Christopher Williams Agency we want to help you make informed decisions for your business. We have the answers and will customize an insurance solution that fits your needs. We offer:

General Liability
The policy provides payment to a third party in the event of a “liability” loss that causes bodily injury or property damage and you are legally liable for that injury or property damage. It protects your business against liabilities that arise from your daily operations, the products you sell or the services your render.

The policy will be written on either an occurrence form – which provides coverage for injury or damage incurred during the policy period only; or a “claims-made” form that provides liability coverage when a claim is first made during the existing policy period for an injury or damage incurred within the policy period or prior.

Professional Liability
If you provide a professional service (doctors, lawyers, dentists, architects & engineers) claims may arise due to your failure to render those services properly, resulting in a suit against you or your business. This coverage would provide protection in the event you are held liable for damages due to “malpractice” of those provided the service. Our policy provides liability coverage for claims arising as a result of negligence, dishonesty, errors or omission while performing or rendering professional services.

Commercial Umbrella Insurance
Serving the unique needs of businesses in Rochester, NY
If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.

The rising costs of lawsuits and judgments are important for today's business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. Contact us today about a commercial umbrella insurance policy.

What you need to know about commercial umbrella insurance
A Commercial Umbrella Liability Policy helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, we recommend that your business insurance program include this coverage.

What is Excess Liability Coverage?
This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.

Who needs excess liability coverage?
Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, significant public exposure. Talk to us today about your business operations and we can advise you what kind of liability coverage you need to protect yourself and your company.

For more information about all our services call 585-586-3060 or contact us
through email. We will gladly give you a free quote on any our your insurance needs.