Hire a liability insurance broker to be your advocate when it comes to purchasing liability insurance. Your domestic liability insurance broker should be knowledgeable about what the market is doing, about underwriting ins and outs and how to present your company in the best light to potential national liability insurance agents.

Your national liability insurance broker is in direct care of the cost of your insurance because this person's knowledge, skills and attention to detail will be what is presented on your behalf to a potential national liability insurance agent or company.

To make the most of resources on US liability insurance brokers:

1. Compare prices and services of US liability insurance brokers.

2. Consider specialty US liability insurance brokers who focus on one industry.

3. Make sure that your broker has no questionable ties to the domestic liability insurance agents they are promoting or presenting to.

Action Steps
The best contacts and resources to help you get it done

Compare services of US liability insurance brokers

Look at a cost and coverage comparison of liability insurance brokers online or in your area.

I recommend: Run a comparison for automobile liability services in Georgia through Georgia Car Insurance. Automobile liability insurance is particularly important if your business has delivery or company vehicles. Look for business liability insurance providers by state through InsurancePages. They are not only a Better Business Bureau Online Reliability Program, but they also clearly state that they do not receive any share of any commissions or fees of any insurance agent or broker. Work with Professional Liability Brokers on your policy coverage, loss prevention, pre-claims assistance and claims management. Look at the available coverage through InsurePro, a division of Gaston & Associates. They offer Directors and Officers Liability Insurance, Employment Practices Liability Insurance, Errors & Omissions (Professional Liability) as well as Group Personal Excess Liability.

Find out the specialities of your national liability insurance broker or agent

Some domestic liability insurance agent or broker services specializes in a particular industry, while others offer you a more broad range of liability options. Find out what your agent or broker can do for your particular business needs.

I recommend: Cover your medical malpractice liability through Tegner-Miller Insurance Brokers. They also have a special liability program available for medical spas. See if Wells Fargo is the right liability provider for you. Look at liability coverage from State Farm. Look to Classic Coverage Insurance to run a business quote for insurance.

Look to smaller, independent liability insurance brokers

US liability insurance agents and brokers from independently owned and operated businesses can usually offer you more one on one personal service.

I recommend: Find out how Nausch, Hogan & Murray can act as a broker for your Property & Casualty needs. Look into a business liability comparison from Watkins Insurance Group. Consider professional liability insurance from Fairway Insurance Center as a separate policy from your business owner policies (BOPs). Learn about the various types of liability insurance through M. Silver and Associates.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Consider asking your national liability insurance broker about public liability insurance to provide protection against any liability to the members of the general public (as opposed to employees) that will cover claims accidental injury and damage.