Professional, Cyber & Environmental Liability Insurance Guide
Some of the biggest business risks aren’t physical — they’re legal, digital, or environmental.
Many business owners are surprised to learn that general liability insurance does not cover everything.
Professional Liability
Professional liability (or E&O) protects businesses against claims of:
Errors
Negligence
Failure to deliver services as promised
This is critical for consultants, service providers, and licensed professionals.
Cyber Liability
Cyber insurance helps cover:
Data breaches
Ransomware attacks
Customer notification costs
Business interruption
Even small businesses are targets — and recovery can be expensive.
Environmental Liability
Environmental or pollution liability covers claims related to:
Fuel spills
Chemical exposure
Environmental damage
Many standard policies specifically exclude these risks.
Why These Policies Matter
These coverages are often separate policies written through specialty carriers. Many large insurers don’t offer them at all.
A short conversation now can prevent a major financial loss later.
Call 502-245-3625 to review your exposure.
Professional, Cyber & Environmental Liability Insurance Guide
General liability doesn’t cover everything. Learn about professional, cyber, and environmental liability insurance.
professional-cyber-environmental-liability-insurance
Small and mid-sized Kentucky businesses are increasingly exposed to cyber and professional liability claims.
Call 502-245-3625 to review coverage gaps before a claim happens.
FAQ
Q: Does general liability cover cyber attacks?
A: No. Cyber liability requires a separate policy.
