North Dakota Business Insurance

General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

• Bodily injury: A shopper went to a mall during a snowstorm, and slipped and fell on the sidewalk on their way out of the mall. The shopper was injured and required a trip to the emergency room. The shopper sued the mall’s property manager for failing to clear the sidewalks. General liability insurance protects property managers against third-party claims of bodily injury, associated medical costs, and property damage.
• Property damage: A graphic designer was working at a client’s site and accidentally spilled a cup of tea on a high-end printers, damaging them beyond repair. General liability insurance protects graphic designers against third-party claims of bodily injury, associated medical costs, and property damage.
• Personal injury: An HR consultant was discussing a former client with another consultant, and said some untrue things. The conversation was overheard and got back to the former client, who sued the consultant for slander. General liability insurance protects HR consultants against third-party claims of bodily injury, associated medical costs, and property damage.

Learn about how much general liability insurance costs. 

Professional liability insurance, also known as errors and omissions insurance (E&O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

• Sexual harassment: A tutor was hired to provide homework help at the home of a sixteen-year-old high school student. During one tutoring session, the student’s mother went out to do an errand, leaving the tutor and the student alone in the house. Shortly thereafter, the student claimed she had been touched inappropriately by the tutor. Professional liability insurance protects tutors against claims of sexual harassment and negligence and will appoint an attorney to defend them, if needed.
• Negligence: A social worker is treating a troubled family to help them better communicate, but progress is slow. The daughter runs away from home and the family blames the social worker, demands their money back, and sues for damages. Professional liability protects social workers against claims of negligence and will appoint an attorney to defend them, if needed, even if they haven’t made a mistake.

Learn more about professional liability insurance.