Liability insurance protects your business from legal liabilities brought against you for mistakes, errors or activities causing damages or injuries to other companies or people not associated directly with our business, i.e. customers, stockholders, vendors, landlords etc. One difference in liability claims is that there is no one-way to put a value on what the claims is worth. Unlike an auto claim, where you know parts & labor costs to repair; Liability claims are valued by our legal system with no one single way to determine a value. Specific liability policies cover unique risks such as Liquor, Employment Practices, Employee Benefits, Products, Pollution and Professional Liabilities.