This “smart insurance" or sometimes called "sleep better at night insurance” is a broad protection against a large variety of risks where your business may have allegedly caused Bodily Injury, Property Damage, Personal or Advertising Injury to another. It also includes Defense against these allegations, which in many cases is more important than the actual coverage limits. Also as your independent agent, Aligned Insurance can help you evaluate liability exposures that are unique to your business to determine if you need to endorse this policy with special liability insurance or should you purchase a separate specialty liability insurance policy to coverage this exposure.