Business

Liability

Business Liability Insurance, CT

It’s a simple reality that anyone who comes into contact with you or your employees while you’re conducting business can file a claim or lawsuit against you for any number of reasons — from physical injuries to wrongful termination.

That’s why Farmers® offers small business general liability insurance, which can help with challenging situations and the associated costs of legal defense and legal damages, up to policy limits selected for covered claims.

Because every Farmers agent is also a small business owner, each one has an understanding of some challenges faced by small businesses like yours. They can offer insights and discuss commercial general liability insurance options as you choose customizable coverage options for your company.

Here are some business liability risks you may want to manage — and potential solutions:

Injuries

Risk:

A customer trips on a fixture at your business and is injured.

Coverage:

Premises and operations insurance can help with hospital bills and damages — as well as coverage for your business if the customer sues for negligence.

Lawsuits

Risk:

A former client files and wins a lawsuit over work performed by your company.

Coverage:

Products and completed operations insurance can help with the defense costs and — in some cases — the legal damages for which you may be responsible.

Data breaches

Risk:

You lose confidential business and customer data when your computer system is hacked.

Coverage:

Cyber liability and data breach can help provide you with legal and forensic assistance to attempt to recover stolen data, as well as ongoing data security consultation to help you manage cyber risks.

Disgruntled employees

Risk:

A disgruntled former employee — or even an applicant you didn’t hire — brings a legal action against your company.

Coverage:

Employment Practices Liability can help cover your business entity, directors and employees if you are accused of wrongful termination, harassment, discrimination or other employment-related offenses.

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Storefront

Umbrella

Additional liability coverage you might need.
Read more
Fire Extinguisher on wall

Loss Control

A service that helps your business increase safety and efficiency measures.
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Local Shop Front

Property Insurance

Coverage for risks of the business building, property, and income.
Read more
Gavel on its stand

Crime

Covers theft against money and security committed by employees or others.
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Group of employees around a computer

Life

Insurance coverage that can attract and keep employees.
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3 Workers talking

Workers’ Compensation

Insurance that covers employees recovery period who have been injured on the job.
Read more
Blue Car

Auto

Covers the cost of damaged commercial vehicles you own, rent or lease for your business.
Read more

Get a Free Quote

Thank you for your interest; please feel free to submit a quote request. If you have a question, feel free to ask! Please get in touch with us using the form below or e-mail or call us with any questions you might have.We look forward to working with you.

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Our Team

Mike Urgo
A Rhode Island native and now a Connecticut resident, Mike Urgo is a highly qualified insurance agent with years of experience. He possesses a diverse background professionally and personally.
Lynn Belanger
Lynn is currently helping manage the operations of the office and is fully licensed in Connecticut Property and Casualty Insurance.
Hannah Smith
Hannah is fully licensed in property and casualty insurance and is happy to run quotes, book policies, or answer any questions one might have.

Meet our Clients

Don't just listen to us; hear what a few of our customers had to say about their experience with Farmers.

"Exceptional customer service.  Called me back the next day with a quote.  Staff and Mike Urgo are kind, professional and ask the right questions to help clients save money while still protecting your home and vehicle with excellent insurance coverage.  Highly recommended."

Kara Crismale - ⭐⭐⭐⭐⭐
Attorney | Faulkner & Graves, PC

“Mike Urgo and the staff with Urgo Agency are amazing. Not only do they spend a lot of time giving back to our community, they are completely about educating us as consumers. He is honest (for example if the existing policy you have is good, he’ll tell you), educated in the insurance field and caring towards your family needs.   Thank you for a great experience!”

Owner | Shake It Up, LLC

"This has been the best insurance experience we have ever had. You call the office and you get an actual person who knows who you are and actually cares about your problem and helps you right away. No more long wait times and press 1 for service. I can not recommend them enough."

"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

"Mike was unbelievable! He was extremely friendly, quick and very knowledgeable. He saved me $700 a year! I would highly recommend Mike Urgo for your insurance needs!"

"Mike and his team are consummate professionals with an honest and consultative approach. Would highly recommend him for any of your insurance needs."

"Trustworthy agent who really cares about his business."