PROPERTY & CASUALTY
Christi Insurance Group’s property and casualty insurance solutions navigate the full spectrum of risks—financial, regulatory, operational, and intangible—to safeguard your business and its people.
The Christi Difference – It's All About You!
At Christi Insurance Group, we start by gaining a deep understanding of your business and its unique challenges. We go beyond the typical risk management approach by identifying risks and offering solutions that others might miss. Our goal is to simplify complexity, providing cost-effective answers to even your most pressing concerns.
While many insurance agencies offer themselves as competent in commercial insurance, none can compare to what The Christi Insurance Group offers consistently to its clients - commercial insurance solutions. The first thing that makes us unique and sets us apart from other agencies is our knowledge and expertise of how the commercial insurance marketplace works. It’s not as simple as some may have you believe.
There are many factors that must be addressed for your program to be effective and protect the financial stability of your business. We know what all of these factors are and how to make them work for you in the most cost effective way. The last thing you want to find out at the time of a claim is that your commercial insurance coverage was improperly structured.
Our industry-focused teams and product experts collaborate with you to reduce your overall cost of risk. We cover everything from protecting physical and intellectual property to managing risks like supply chain exposure, executive liability, workers’ compensation, and cyber threats. We also help with loss and claims management, ensuring that you are covered from all angles.
What is Liability Insurance?
Liability insurance, also known as third-party insurance, is designed to protect you and your business from the financial burden of lawsuits or claims for damages made by others. If a court finds you legally responsible for causing harm or damage, liability insurance helps cover the costs, such as judgments or payouts.
However, it doesn’t cover everything. Contractual liabilities, intentional acts, criminal prosecution, and certain other losses are typically excluded from coverage.
Types of Liabilities Covered
Liability insurance is meant to cover two main categories: bodily injury and property damage.
Some common examples include:
- Bodily injury: If someone is injured on your property (e.g., a guest slips and falls), your insurance can cover their medical expenses.
- Property damage: If you or your children damage someone else’s property (e.g., breaking a neighbor's window), liability insurance helps cover the cost.
Personal vs. Business Liability Insurance
There are different liability insurance options depending on whether you're protecting yourself or your business:
Business Liability Insurance
- Professional liability (Errors & Omissions): Covers legal costs if a client files a lawsuit against a business for professional mistakes.
- Commercial umbrella insurance: Offers coverage for costs exceeding your basic business liability policy.
- Data breach insurance: Protects against third-party claims due to data theft or breaches.
- Commercial auto insurance: Covers damages caused by employees while driving for business purposes.
Personal Liability Insurance
- Personal liability: Covers injuries or damages caused to others on your property.
- Bodily injury liability: Pays for medical expenses if you cause an accident in your car.
- Umbrella insurance: Provides extra coverage beyond your standard policies, like auto and home insurance.
Coverage options vary, so it's important to choose the right policy based on your individual or business needs. By partnering with Christi, you gain a trusted advisor dedicated to safeguarding your business and its future.
