Business Liability Insurance helps protect organizations from financial loss, legal claims, and reputational damage arising from their operations, professional services, leadership decisions, and unforeseen events.
Oracle RMS works with trusted insurance partners to help your business identify its liability exposures and build tailored coverage solutions. These coverages are designed to address a wide range of risks your business could face.
Commercial General Liability insurance protects your business if a third party is injured or their property is damaged as a result of your operations, premises, products, or completed work. It also covers legal defence costs and settlements.
Most businesses—especially those with physical locations, employees, customers, or on-site operations, including retail, construction, manufacturing, and service-based businesses.
Commercial Property insurance is a type of business insurance that protects a company’s physical assets against loss or damage from certain risks (called perils).
This is an essential coverage for businesses that own or lease buildings, equipment, inventory, or other tangible property.
Professional Liability insurance covers claims arising from professional mistakes, negligence, omissions, or failure to perform services as expected.
Consultants, IT and technology firms, engineers, accountants, real estate professionals, marketing agencies, and any business that provides advice or specialized services.
D&O insurance protects company directors and officers from personal financial loss related to management decisions, governance issues, regulatory investigations, or alleged breaches of duty.
Corporations, non-profits, startups with investors, and organizations with boards of directors or senior executives.
Umbrella liability provides additional liability limits above your primary policies, such as general liability or auto insurance, offering broader protection against large claims.
Businesses with higher risk exposure, significant assets, multiple locations, or frequent public interaction.
Excess liability increases the coverage limits of a specific underlying policy without expanding coverage scope.
Businesses that need higher limits for contractual requirements or risk management purposes, such as contractors and large service providers.
Wrap-up liability is a single, project-specific policy that provides consistent liability coverage for all parties involved in a construction project, including owners, contractors, and subcontractors.
Owners and contractors involved in large-scale construction or infrastructure projects with multiple stakeholders.
Special events liability provides temporary coverage for bodily injury or property damage claims arising from a specific event.
Businesses, non-profits, or individuals hosting conferences, trade shows, fundraisers, festivals, corporate events, or private functions.
Pollution and Environmental Liability insurance covers losses arising from pollution incidents, contamination, and environmental damage, including cleanup costs, regulatory compliance, and third-party claims.
Manufacturers, contractors, developers, property owners, waste management firms, transportation companies, and businesses with environmental exposure risks.
