Liability Insurance

Liability insurance protects you from being held responsible for another party's damages by providing coverage for their losses.

Liability insurance does not protect you or your property from damage. Rather, liability insurance is designed to provide specific protection against the claims of others.

There are many different types of liability insurance, including:

  • Standing on a step ladderGeneral liability insurance protects a company from third party claims.
  • Directors & Officers liability insurance protects against acts or omissions.
  • Employer liability insurance provides protection for the employer in case of injury, job related illness or other damages.
  • Professional liability insurance protects professionals, because of their assumed expertise, against acts or omissions in ways that go beyond general liability coverage.

When a claim is made, the insurance carrier has the right to defend the insured. The legal costs of a defense are not always affected by policy limits, which is useful because they can be significant where long trials are held to determine either fault or the amount of damages.

For more information, contact Insurance Management Associates at 410-266-8888 or by e-mail.




Specially-Tailored Business Liability Coverage

IMA offers several specially-designed liability coverages for various fields.

Professional Liability which protects from claims alleging a negligent act, error or omission in the performance of their professional services. These are tailored for:

  • Architects & Engineers
  • Accountants Professional Liability
  • Dentists

Errors & Omissions Liability protects against liability arising from a negligent act, error or omission in the performance of a professional service.

Non-Profit Directors & Officers Liability Insurance protects the directors and officers of non-profit organizations in the event of an actual (or alleged) wrongful act.

Commercial Liability Umbrella




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