Liability Insurance for Businesses

Liability Insurance 

Leveraging our experience to reduce your cost of risk

As liability risks increase in today's regulatory and litigious business environment, our team of experts customize a risk management program that meets your business and industry needs, with the goal of lowering your total cost of risk.

AP of Texas helps clients assess and manage a wide range of risks each day, all day. Our liability services and coverages address pressing needs as follows:

Workers’ Compensation
  • Benefits paid to a worker to compensate for losses caused by a work-related injury or illness.
Commercial General Liability
  • Protects a named insured in the event the entity is sued for bodily injury and/or property damage.
Excess Liability
  • Coverage that is written in excess of primary insurance designed to increase the limits of liability, thereby providing catastrophe coverage.
Employment Practices Liability
  • Provides defense and indemnity coverage for employment claims brought by past, present, or future employees alleging discrimination, harassment, wrongful termination, defamation, or invasion of privacy.
Liquor Liability
  • Provides coverage for bodily injury or property damage for which an insured may be held liable with regard to the sale of alcoholic beverages.
Directors and Officers Liability 
  • This insurance is designed to help protect both the assets of the company and the personal assets of these individuals.
Professional Liability/Errors & Omissions
  • Protects a company from claims if the client holds them responsible for errors, or the failure to perform as promised in the contract.
Special Events Liability
  • For loss or damage as a result of claims against named insured by third parties for bodily injury, death, or damage to property arising out of the operations of lessees or renters for functions and events.
Fiduciary Liability
  • Protection against claims for mishandling or misappropriating funds of others over which the company maintains control.
Employee Benefits Liability
  • Protects the insured employer against claims by employees or former employees resulting from negligent acts or omissions in the administration of the insured’s employee benefits program.