Business Liability Insurance

Cyber liability is a question of “WHEN” not “IF”

Data drives the organizations of today’s world. Business of all sizes have had a cyber attack or data breach, with the average cost to rectify rising to$6.5 million per occurrence.

One stolen laptop, one careless employee, a virus or even paper records that fall into the wrong hands, can create a financial and reputational consequence affecting your business for years to come. Contact XL Brokerage Inc.

What does cyber liability cover?

With a comprehensive cyber liability policy, you can feel confident you’re covered in case of data breaches and related issues, including:

• Data compromise protection to cover employee and customer information if your data should ever be hacked, stolen, corrupted, or subject to procedural errors or internal fraud
• Legal cost protection incurred by legal reviews
• Forensic services to assist in determining the nature, extent, and perpetrators of an electronic breach
• Personal services for any persons affected, which may include help line services, credit monitoring, and case managers for identifying theft victims
• Public relations costs paid for firms to review and respond to the potential impact of the data compromise
• Costs of legal defense, in an event that the company is sued due to the breach
• Identity recovery protection to identity fraud victims and restore their credit history and records. This includes owners, employees, and family members

We can help protect your business against damage to electronic data, virus or malware attack, liability to third parties, and also help recover the cost of:

• Restoring and recreating data to your system
• Restoring systems to pre-attack levels
• Lost business and unforeseen expenses
• Public relations services to communicate with outside parties concerning a computer attack, as well as your public response

Who is cyber liability insurance for?

Cyber liability coverage is available for any business, small and large, nonprofit organizations, and retailers. You may be able to save on costs by bundling coverage with another policy to create a comprehensive suite of business liability coverages.

We can help you assess the risks to your business and get you the protection you need in today’s data-reliant world.

Why we're different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business. Contact us today, and we'll help you protect what matters most.

Landlord Liability Insurance

Don’t rent a house without it…

Being a landlord comes with well-known risks. From maintaining the property to managing tenants, landlords are exposed to potential lawsuits on a daily basis.

And if you’re ever found liable for someone who is injured on your property, or if you are required to pay for damage done to someone else’s property, it can end up costing you heavily. Landlord liability coverage can help protect you for many of those risks.

What does Landlord Liability help cover?

Landlord liability coverage kicks in to help pay medical expenses for injured tenants, or legal defense and court judgments made against you for other damages, up to the limits stated in your policy. Coverage may include:

• Tenant injuries 
• Proper security for your tenants 
• Unlawful behavior by tenants 
• General Liability 
• Fair Rental Value Coverage 
• Inflation Protection 
• Personal Injury Protection 
• Lock replacement 

Discounts for Landlords

You may qualify for a discount on Landlord Insurance policies, including:

• Multiple policies
• New/renovated homes
• And more

Worried about the cost?

Our Company specializes in covering local owners like you. We have everything you’ll need, including:

• Monthly payment options 
• Coverage of staff
• Claims responsiveness 
• Tailored coverage
• Knowledgeable agents
• Fast and simple



Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Liquor Liability Insurance

Do you need Liquor Liability Insurance?

Owning a business that serves alcohol, whether in an established location or for a special event, always involves an element of risk. Liquor liability insurance protects you against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others.

If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage.

Liquor liability 101

There has always been a great deal of confusion about the need for liquor liability, even among insurance professionals. Liquor liability laws vary greatly by state, and insurance policy coverage options are often confusing. Here are the basics:

• “Dram Shop” Laws are established at the state level and hold alcoholic beverage servers financially liable for the harm that visibly intoxicated individuals cause to other people, themselves, or property 
• Liquor Legal Liability provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person's intoxication
• Host Liquor Liability Insurance Policies cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers

Will you be held responsible?

Court decisions, coupled with new state statutes, are holding vendors of alcoholic beverages increasingly responsible for damages under liquor liability laws. Nevertheless, liquor liability insurance continues to be a quiet, if not dwindling, market around the country. In fact, more than half the establishments serving alcohol in the United States choose to operate without liquor liability insurance coverage.

We make the liquor liability insurance process as simple as possible. By filling out a simple online form, our expert agents will shop the market for you and get you the best possible coverage. We pride ourselves on taking care of our clients and their interests.

Consider this…

When an intoxicated patron leaves your bar or store, gets into his car, drives, and commits vehicular manslaughter, the victim’s family could sue the bar for both civil and criminal damages.

Or suppose a restaurant serves alcohol at a catered event, where two guests have a fight, and one incurs serious injuries at the hand of a drunk person.

It’s vital that if your establishment serves alcohol, you protect yourself from potential financial losses by being covered with a liquor liability policy. In the above examples, liquor liability insurance could help cover the bar’s legal costs, court fees, and any civil or criminal damages awarded.

What does liquor liability insurance cover?

A good deal of alcohol-related liability claims filed against bars, taverns, and restaurants are a result of liquor-induced fights or altercations. In fact, just escorting an unruly patron to the exit is frequently enough to trigger an assault and battery allegation. Along with coverage for these events, litigation costs, including the fees to retain an attorney and court costs, may also be covered under a liquor liability policy.

Worried about the cost?

We specialize in covering local businesses like yours. We have everything you need right here, including:

• Monthly payment options
• Coverage of temporary staff
• Claims responsiveness
• Tailored coverage
• Knowledgeable agents

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.



After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.