General Liability coverage is an essential component of any risk management program. Coverage for attorney fees, legal damages, and other-claim related expenses.
General liability is commonly used to protect a business from:

• Bodily injury
• Property damage
• Advertising injury
• Copyright infringement
• Reputational harm

Keyes coverage has advised thousands of businesses in obtaining this valuable coverage. There are many options endorsements that can add further protection, and we will guide you through that process.

Excess liability insurance provides an extra level of protection for your business and is particularly critical in surviving a catastrophic liability claim. No one expects incidents of catastrophic proportions to happen, but they do. Excess liability insurance covers claims once your underlying policy has reached its limit, and it helps close any coverage gaps that leave you vulnerable.

Not a day goes by that a corporation isn’t hacked and personal data compromised, a network fails or is threatened in some way. Companies can face a huge fine, expensive legal settlements and severe damage to their reputation. As experts, Keyes Coverage can guide you through a broad range of cyber liability coverage options for these complex threats that are so prevalent today.

An essential for any company that provides product to customers, product liability can protect you from design defects, manufacturing flaws, recalls, instruction errors and more. You try to produce the best product you can for your customers, but occasionally, something can go wrong.

Businesses that provide professional services or give advice to clients should consider purchasing professional liability insurance. It provides protection when a business owner is sued for negligence because their work does not meet a client’s expectations.
Professional liability insurance can also be required entering into a contract.

Businesses that often choose professional liability insurance include:

• Consultants
• Attorneys
• Engineers
• Counselors
• Accountants
• Real estate agents and more

(D&O) liability insurance protects the personal assets of corporate directors, officers and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company.

In today’s litigious environment, employees are looking for ways to sue their employers. Employment Practices liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include wrongful termination, discrimination, sexual harassment, and retaliation. In addition, the policies cover claims from a variety of other types of inappropriate workplace conduct, including (but not limited to) employment-related: defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation.

Surety bonds provide financial security and construction assurance by giving project owners the confidence that contractors will perform the work and pay specified subcontractors, laborers, and material suppliers. A surety bond is a risk transfer mechanism where the surety company assures the project owner (obligee) that the contractor (principal) will perform a contract in accordance with the contract documents.