Business Liability Insurance
Every small business is at risk of a lawsuit, whether from an error or negligence or from a claim of discrimination, harassment, or wrongful termination. That's why State Farm® offers a variety of business property and liability insurance packages, as well as umbrella and special liability solutions, to help protect your organization from costly legal judgments, settlements, and defense fees. Your agent can help you select coverage for your business needs.
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Business Property and Liability
We offer business property and liability insurance packages for many types of businesses. Choose your organization type to learn more about what's covered:
Commercial Liability Umbrella Policy
Your business property and liability insurance package can help protect you from lawsuits up to a certain limit — but is it enough? It may take only one substantial judgment or settlement to put your financial future at risk. A State Farm Commercial Liability Umbrella Policy can provide the extra financial protection your business needs. Available in $1 million increments, it offers broad coverage at a sensible price.
You never know when an unhappy client might file a lawsuit claiming you've been negligent or made an error or omission while performing your professional services. Fortunately, you can minimize financial hardship and help protect your future with a State Farm Professional Liability policy. We offer coverage designed specifically for:
- Architects and engineers
- Accountants and related businesses
Employment Practices Liability Insurance (EPLI)
If you run a business, you face a risk of being sued by an employee or applicant for discrimination, wrongful termination, or sexual harassment. Damages can include compensatory awards, not just lost wages — and these allegations aren't covered by most general liability policies. A State Farm EPLI policy can help protect you and your business in the event of wrongful employment practice claims.
Not-for-Profit Organization Liability with EPLI
Nonprofits aren't immune from liability, harassment, discrimination, or wrongful termination lawsuits — and even if the court decides in your favor, you could be stuck with a substantial legal defense bill. A State Farm Not-for-Profit Organization Liability policy, which includes EPLI, can help protect your organization from these claims. It also covers your nonprofit's directors, trustees, officers, employees, committee members, and volunteers.
Errors and Omissions Liability
Mistakes happen. But even an innocent error on your part could lead to a client bringing a lawsuit against you for negligence. A State Farm Errors and Omissions Liability policy can help you and your company pay for legal judgments or settlements. It also covers defense costs, which can be substantial even if you're not found liable.
This is only a general description of coverages of the available types of insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all businesses and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.
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