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Liability Insurance

McClure Insurance covers Liability risks facing businesses like yours in West Springfield, Wilbraham, Chicopee and throughout Western MA.

At McClure Insurance, we partner with the top insurers to not only provide you with a commercial liability insurance policy that covers your standard liability risks, but also to offer you the highest quality risk management solutions.

When it comes to choosing the proper commercial general liability (CGL) insurance policy for you, it’s critical to understand what a CGL covers and, especially, what it does not. In general, a CGL insures a business for:

  • Injuries to visitors or other third parties (but not your employees)

  • Damage to visitor or third parties’ property caused by the company’s operations

  • Legal defense costs and settlement payments and damages according to the policy’s restrictions and payout limits

While a CGL is a necessary component of any comprehensive insurance program for your business, it may not be sufficient to cover some of the liability risks your company is facing. For instance, a CGL explicitly excludes, or severely limits, coverage for professional services, errors and omissions, employment practices wrongdoing, directors and officers liability, and cyber liability.

Through a detailed risk analysis, your McClure Insurance agent will identify any coverage exposures, provide you with options to close these gaps, and find niche industry products to accommodate your specific needs and budget.

Please call us at (800) 982-0929 for a free quote or to schedule a meeting with one of our commercial liability insurance experts.

McClure Insurance covers the risks facing businesses like yours in Springfield MA and the surrounding communities with several types of liability insurance, including:

  • Commercial General Liability (CGL)

  • Cyber Liability

  • Pollution Liability

  • Professional Liability

  • Errors and Omissions

  • Directors and Officers Liability

  • Malpractice Exposures

  • Custody and Control Issues

  • Liquor Liability Issues

Risk Management Tip #548

Most Companies Today Need Cyber Liability Insurance

It’s rare to find a company today that does not have some level of cyber liability risk. If you store or transmit information on a computer system containing employee personal data, banking or credit card numbers, or other personal demographics, you are at risk for being hacked. In addition, employees can erroneously break security rules allowing millions of people access to private files. It happens every day, and the costs are enormous. If you’re still wondering whether or not it’s worth adding this coverage, consider that the typical commercial general liability insurance policy will not offer protection for cyber liability claims, potentially leaving you with costly lawsuit or payout expenses. Your McClure agent will help you assess your vulnerabilities and assist you with loss-control programs to prevent problems in the first place. Our knowledgeable team will also show you how to maximize your protection at the best price.

To safeguard your company against cyber crime and accidents, call McClure Insurance at (800) 982-0929 today.

McClure Insurance is here for you for the long-term.