Liability Insurance

Liability Insurance Overview

There are many types of insurances both broad and specific that you can utilize for your business. Each protect you from different areas of risk your business may face in the course of a normal workday. Below are some of the common and important insurances you can find through The Curtis Owens Agency. 

Types of Liability Insurance

General Liability

General liability insurance offers compensation if someone is injured or their property is damaged on your business’ property. It also covers personal and advertising injury, which includes claims of libel, slander, malicious persecution, copyright infringement and more.

Professional Liability

Professional liability covers claims of professional negligence filed against your business. If your company or employees offer a specialized or professional service that causes a client to lose money, this policy can provide compensation.

Products Liability

Products liability covers bodily injury and property damage that may be caused by a product offered or manufactured by your business.

Cyber Liability

Cyber liability covers claims and damages involving data that is stored electronically, such as cyberattacks and data breaches.

Umbrella Liability

Umbrella liability insurance fills in the gaps left by your other liability insurance policy. If one liability policy reaches its limit for a claim, umbrella liability can step in to cover the remaining expenses.

You can often combine general liability with commercial property insurance into a single Business Owners Policy. This policy is a flexible package policy that combines coverages for small businesses.

Insure Your Business Today

Protect your hard work with the right policy at the right price. Speak one-on-one with a dedicated agent from The Curtis Owens Agency at (606) 784-3575 or fill out an online quote form to get started.

Why Choose Owens?

We know Kentucky

Proudly serving Kentucky since 1985, we understand the unique risks that face you or your business.

One-on-one customer service

Your personal agent will work with you every step of the way to keep you or your business protected.

Access to the best carriers

Get access to the best coverage and rates from the nation's top carriers.


Request a Quote

Or call us: 800-256-3575

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