General Liability or Business Owner Policy
General Liability insurance can be a stand alone insurance policy. It typically provides coverage for parties listed on the policy against damages or losses caused by hazards such as fires, storms, hail, lightning, high winds, vandalism, contamination, explosions.
A business can get General Liability as part of a Business Owner Policy (BOP) which packages other coverages all into one policy. You can group:
General Liability or Garage Liability or Product Liability
Commercial Property to protect your real estate
Commercial Auto or Truck and Hired and Non-owned Auto
Business Personal Property or Inventory
Cyber or crime insurance
Business Income & Extra Expense
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General Liability insurance is a type of insurance policy that provides coverage for businesses against liabilities arising from accidents, injuries, or property damage that may occur on their premises or as a result of their operations. It typically covers legal costs, medical expenses, settlements, and judgments if a third party (such as a customer, client, or visitor) sues the business for bodily injury or property damage.
This insurance can help protect a business from various scenarios, such as a customer slipping and falling in a store, property damage caused by an employee, or lawsuits related to advertising injury (like slander or copyright infringement).
Policies may vary in coverage limits, exclusions, and specifics, so it’s crucial for businesses to carefully review and understand the terms of their General Liability insurance to ensure they have appropriate coverage for their needs.
If you need to meet Vendor Requirements by providing an additional insured to those that you want to do business with, Get Help With Insurance Inc understands your unique product and general liability needs. We understand what your vendors are requiring you to have and will help you meet those requirements with as little cost and hassle as possible.
Why do you need Business Insurance?
You might face legal action from customer injuries, data breaches, product defects wrongful termination, and more. Liability insurance can help you protect your business.
– Does your business have enough liability coverage for injuries to customers, auto accidents and lawsuits?
– Do you know whether the coverages of a business owner policy are enough to protect your assets from garnishment?
Small businesses are especially vulnerable to Claims for Bodily Injury or Property Damage
General Liability is insurance coverage that protects businesses from losses due to events that may occur during the normal course of business.
There are many types of insurance for businesses including coverage for property damage, legal liability, product liability and employee-related risks. Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.
Garage Liability Insurance
Garage Liability Insurance provides coverage for accidental third-party bodily injury and property damage resulting from your garage operations. This coverage applies to bodily injury involving non-employees, including customers, vendors, and partners, and to damage involving third-party property, like a customer’s laptop.
Garagekeepers covers losses to non-owned autos in the insured’s possession while the insured is attending, servicing, repairing, parking or storing them.
you can add to your general policy the following coverages:
Business Personal Property
Business personal property (BPP) insurance covers the equipment, furniture, fixtures and inventory that you own, use or rent inside your workspace. Basically, it covers almost everything except the building itself.
If you rent scaffolding for your project, a copy machine or anything else, the rental company may require you to insure it while you are using it. You could call us to add it to your general liability policy.
EMPLOYERS PRACTICE LIABILITY
Employment practice liability protects a business owner from any wrongful acts that occurs during the employment process. It can also occur during claims of misconduct or inappropriate employment practice. These policies cover businesses from liability any time workers claim their legal rights have been violated by the company.
The most common kinds of claims include: wrongful termination, sexual harassment, emotional distress, invasion of privacy, discrimination of any kind, and retaliation.
Additionally, these policies also cover claims of failure to promote, deprivation of career opportunities, defamation, wrongful discipline, negligent evaluation, and mismanagement of employee benefit plans.
Cyber
Cyber insurance is designed to cover both liability and property losses that may occur because a company is involved in online and electronic activities and collects the sensitive personal and financial data of its customers. electronic activities and collects the sensitive personal and financial data of its customers.
Building Insurance
Business building property insurance covers your buildings, the contents within those buildings, and loss of income if you’re out of business due to a claim. It can help protect your business in case of unexpected accidents or tragedies like fire, theft, wind damage, or even a building’s collapse.
Business Income & Extra Expense
Business income insurance with extra expense pays for: Lost net income (bottom line profit, including from lost customers), Necessary continuing expenses (key employee salaries, debt payments, etc.), and. Extra expenses that would not have been otherwise incurred (rental of temporary space, storage fees, overtime, etc.
Crime Insurance (Bond)
Crime Insurance and Financial Institution Surety Bonds provide coverage for loss of money, securities, or other assets resulting from acts such as employee theft, certain types of fraud by third parties (forgery, for example), theft of property from the premises, and social engineering (impersonation fraud).
Autos owned in business name
A business auto policy would cover you and your personal vehicle in case you’re at fault for an accident during a work-related errand. Any vehicles you own solely for work purposes must be covered by a commercial auto policy, whether you own a landscaping pickup, a food truck, or a fleet of company cars.
This is intended as a general description of certain
types of insurance and services available to qualified customers. Any
description of policy provisions is meant to give a broad overview of coverages
and does not revise or amend a policy. Refer to the policy coverage form for a
complete representation of the scope of coverage, terms, conditions, exclusions
and more. The policy is the contract that specifically and fully describes your
coverage. Some products may not be available in all states and may only be
offered on a non admitted basis. Product availability is subject to change.
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