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Liability insurance is coverage that makes sure that the financial costs associated with an accident or any damages that occur by covering legal fees and payouts.

LIABILITY INSURANCE

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Regardless of the type of business you own, owning liability insurance (business insurance) is essential. Liability insurance is coverage that makes sure that the financial costs associated with an accident or any damages that occur by covering legal fees and payouts.

WHAT DOES LIABILITY INSURANCE COVER?

"Health and Wellness Insurance was the best investment I ever made. Zensurance’s Health and Wellness Insurance has got everything I need. I STRONGLY recommend Health and Wellness Insurance from Zensurance to EVERYONE interested in running a successful business! Man, this thing is getting better and better as I learn more about it."

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WHAT OUR CUSTOMERS SAY...

WHAT DOES LIABILITY INSURANCE COVER?

We understand how important it is to provide the appropriate protection for your business in the health and wellness space. While you focus on your core business, owning a curated health and wellness commercial insurance policy will give you a peace of mind—how Zen!


  • Accountants
  • Accounting Firm
  • Actuaries
  • Advertising
  • Aerial and ground based Photographers / Videographers
  • Alternative Energy
  • Architects & Engineers
  • Architectural/Engineering technicians and technologists
  • Appraisers
  • Bookkeepers
  • Broadcasters
  • Building Designers(Bill 124)
  • Business Consultant
  • Chiropodists
  • Civil engineers
  • Collection Agencies
  • Consultants
  • Chiropractors
  • Design Firms
  • Directors and Officers
  • Employment Agencies/Recruiters
  • Engineers
  • Environmental Engineers
  • Energy Audits & Assessments
  • Financial Advisors
  • Financial Planners
  • Foreign Legal Consultants
  • Holistic Professional
  • Hotel Consultant
  • Home Inspectors
  • Human Resources (HR) Consultant
  • Immigration Consultants
  • Information Technology & Computer Consultants
  • Interior Designers
  • IT Contractor
  • IT Specialist/Technician/Programmer
  • Independent Contractor
  • Product Designers
  • Professionals Liability
  • Professional Organizer
  • Lawyer's Excess Professional Liability
  • Management Consultants
  • Medical Related
  • Medical Professionals (Malpractice Insurance)
  • Medical Students (Malpractice Insurance)
  • Multimedia designers
  • Mortgage Brokers
  • Naturopaths
  • New Media
  • Occupational Health and Safety Consultants
  • Quality Control Consultants
  • Placement Agencies
  • Podiatrists
  • Process Servers
  • Private Investigators
  • Project Managers
  • Property Managers
  • Paralegals
  • Publishers and Printers
  • Recruitment and Employment Agency
  • Recruitment Consultants
  • Safety Engineers
  • Service Organizations
  • Solar & Wind Farm Engineers & Consultants
  • Staffing Agencies
  • Structural Engineers
  • Sub Contractor
  • Surveyors
  • Therapist Professionals
  • Training Providers/Trainers
  • Travel Agencies
  • Travel Agents, Tour operators
  • Excess & Umbrella Liability
  • Web-Site Designers
  • Web Developers
  • Workplace Engineers & Consultants

SOME SCENARIOS WHERE LIABILITY INSURANCE CAN PROTECT YOUR BUSINESS ARE:

In such a case, the third-party (i.e., a customer) could sue you for injury or damages.


For instance, a customer who enters your bakery slips and brakes their leg along with their new cell phone. You could be held liable to cover both the costs associated with her injury and the replacement of their phone. Possible costs could include (but are not be limited to) medical bills, lost income due to their inability to work while injured, legal feels, courts expenses, the cost to repair the phone, and settlements.


BODILY INJURY

Some examples of third-party visitors who could potentially be injured are:

- Customers

- Employees

- Maintenance personnel

- Vendors

- Delivery/courier persons

Property damage liability coverage protects you for damages to a third-party’s property.

An example would be your employee visiting a client’s office and spilling coffee on a computer. Your business could likely face claims by the client.



PROPERTY DAMAGE LIABILITY

WHAT IS NOT COVERED UNDER LIABILITY INSURANCE?

X Professional errors

X Wrongful acts

X Damage to business property

X Employee discrimination

X Cyber attacks

We find the best policies so you only pay for the coverage you need, and nothing else.

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