PROPERTY & CASUALTY
The Christi Difference – It's All About You!
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.
Our Process
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.
How We're Different
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.
Deep Business Understanding
We take the time to truly understand your business, operations, and challenges. This allows us to design insurance programs that align with your real-world risks—not just generic coverage.
Marketplace Expertise
Commercial insurance is complex—and most agencies oversimplify it. Our team understands how the marketplace really works, ensuring your coverage is structured correctly so there are no surprises when it matters most.
Smarter, More Cost-Effective Risk Solutions
We identify risks others miss and deliver solutions that reduce your total cost of risk. By balancing coverage, structure, and strategy, we help you get the protection you need without overpaying.
Comprehensive, Industry-Focused Protection
From property and liability to cyber, executive risk, and workers’ comp, our specialists collaborate to protect every aspect of your business. We also support claims and loss management—so you’re covered before, during, and after a claim.
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.
Bodily injury
Property damage
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.
Why Christi Group?
We transform organizations with innovation and transparency
With over 35 years of experience, Christi strives to be the leaders in our business. To innovate and push all of the boundaries that deliver to our clients best-in-class solutions that help grow their business and provide relentless support and resources to their employees.
Everything we do. Everything we touch. Everything we innovate. Everything is done in the best interest of our clients. We create and empower a lasting relationship that stands the test of time and provides the best solutions for all of the unique challenges every organization faces.
We’ve built an environment where the best minds thrive. Through unmatched training, modern tools, flexible work options, and clear growth opportunities, we’ve cultivated a high-performance culture that drives innovation—and positions us as a leader in our field.
Clients trust us with their most complex business challenges—and we earn that trust through deep expertise, relentless effort, and an unwavering commitment to honesty and respect. It’s how we do business, and it’s how we build lasting partnerships.
At Christi, we take pride in being one of the few remaining independent and resilient consulting firms in our marketplace. Our independence removes barriers to innovation, empowering us to deliver limitless, tailored solutions to our clients. Free from the demands of stockholders, quotas, excessive employee turnover, or corporate bottom lines. We remain solely focused on what matters most, delivering maximum value to our clients.