Protect Your Business From the Unexpected

Liability & Cyber Coverage for Real-World Risks

From lawsuits to data breaches, one unexpected event can disrupt your operations—or worse. At Insurance Designers, we help business owners and professionals manage risk with liability and cyber insurance solutions built to fit their industry, exposure, and peace of mind. Whether you're serving customers in a retail space, selling alcohol, or handling sensitive data, we’ll make sure you’re protected where it matters most.

Business Liability Insurance

Foundational Protection for Day-to-Day Operations

Also known as general liability insurance, this is one of the most important policies any business can carry. It protects you when third parties claim bodily injury, property damage, or advertising injury related to your business.


  • Covers legal fees, medical bills, & settlements
  • Essential for brick-and-mortar and mobile businesses alike
  • Often required for leases, contracts, and vendor relationships
  • Ideal for shops, offices, contractors & service businesses

Liquor Liability Insurance

Coverage for Alcohol-Serving Establishments

If your business serves, sells, or distributes alcohol, liquor liability insurance may be required—and is always smart. It protects your business from legal and financial consequences if a customer causes injury or damage after drinking on your premises.


  • Required for bars, restaurants, events & private venues
  • Covers lawsuits, legal defense, & damages
  • May be bundled with restaurant or hospitality policies
  • Can help meet licensing & state compliance requirements

Cyber Liability Insurance

Smart Protection in a Digital World

Cyberattacks and data breaches are increasingly common—even for small businesses. Cyber liability insurance helps cover the financial and reputational costs of digital threats, stolen data, and system outages.


Covers breach response, notification costs & credit monitoring

Includes legal fees, data restoration, and business interruption

Ideal for businesses that handle payments, customer info, or online services

Essential even if you outsource IT or use cloud-based tools

Errors & Omissions Insurance (E&O)

Professional Protection for Service-Based Businesses

If your work involves giving advice, managing accounts, or providing professional services, you could be held responsible for mistakes—even unintentional ones. E&O insurance covers financial damages caused by errors, omissions, or claims of negligence.


  • Coverage for lawyers, consultants, agents, designers & advisors
  • Includes defense costs, settlements, & legal judgments
  • Often required for licensing or contracting
  • Also called professional liability insurance

Stay Protected from the Risks You Can’t Always See

Let’s Build a Policy That Covers the Gaps

From client-facing businesses to tech startups, we help Idaho and Utah companies manage risk across every touchpoint. If a lawsuit, data breach, or mistake could put your business at risk, we’ll make sure you’re ready—with protection that makes sense and pricing that doesn’t break your budget.

FAQs

Got a question? We’re here to help.

  • Is general liability insurance required for my business?

    Not always by law—but it’s often required by landlords, clients, and contracts. It’s also one of the most important protections you can carry, especially for businesses with physical locations or public interaction.

  • What does cyber liability actually cover?

    Cyber insurance can include everything from breach investigation and client notification to data recovery, legal defense, ransom payments, and lost income. Even small incidents can result in huge costs—this policy helps manage them.

  • What’s the difference between E&O and general liability?

    General liability covers physical risks (like slip-and-falls). E&O covers financial or service-based claims tied to your advice, decisions, or performance.

  • Do I need liquor liability if I only serve wine at events?

    Yes—if you're serving alcohol in any setting, even casually or for private events, you could be held liable. Liquor liability protects you against lawsuits and legal expenses if a guest causes harm after drinking.

  • Are small businesses really at risk for cyber attacks?

    Absolutely. In fact, small businesses are often more vulnerable because they have fewer security resources. Even a single stolen laptop or hacked email can lead to major legal and financial issues.

Ready to Protect Your Property?

Let’s Find the Right Fit for Your Space & Budget

Contact Us