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Why do you need General Liability 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?
– Do you need umbrella insurance?
Small businesses are especially vulnerable to crimes like fraud, hacking, and forgery.
Learn more about General Liability Insurance or Get a General Liability quote by calling (702) 541-0882.
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 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.
There are many types of insurance for businesses including coverage for property damage, legal 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.
PRODUCT LIABILITY VERDICT
LATCH FAILURE CAUSED MECHANIC’S DEATH
It wasn’t supposed to happen, but it did. While a mechanic was repairing a vehicle, an engine latch failed causing the vehicle’s 475-pound cab to fall and crush him. The mechanic died in the ambulance, en route to the hospital.
The manufacturer of the latch was found liable for a defective design and for not properly testing the latch. The jury awarded $10 million in aggravating circumstances damages and $3 million in compensatory damages to the mechanic’s family.
$13,000,000
This material does not imply that coverage exists for any particular claim or loss under any insurance policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Source: National Law Journal/ALM Reprints & Content Licensing. Top 100 Verdicts of 2020.
BUSINESS INSURANCE DISCOUNTS
SAFETY DISCOUNT
Safety discounts are applied if you take good care of your property. Is your landscaping taken care of? Is the paint not peeling? Do you have special features that keep your property safe? Items such as a monitored burglar alarm, sprinklers in the ceiling, video surveillance or high quality roof work well to drive insurance rates down.
GROUP DISCOUNT
Are you a Member of a Restaurant Association, Builder Association, etc. Some Insurance companies specialize in a specific sector. Let them know your affiliations.
MULTI-POLICY DISCOUNT
When you insure more than one policy at the same company, such as your General Liability, your Worker’s Compensation, your Commercial Auto policy together, these policies can receive a bundling discount.
LEARN FROM VIDEOS FROM CARRIERS
COMMERCIAL AUTO INSURANCE – THE HARTFORD
BUSINESS INCOME – THE HARTFORD
SHOULD I GET WORKERS COMPENSATION FROM THE HARTFORD
BUSINESS OWNER POLICY
A Business Owner Policy has General Liability plus it packages other coverages all into one policy. You can group:
- Commercial property
- Commercial auto
- Business Personal property
- Cyber
- Business income
- Business extra expense
- Hired and Nonowned auto
- Crime
GARAGE LIABILITY
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
Garagekeepers covers losses to non-owned autos in the insured’s possession while the insured is attending, servicing, repairing, parking or storing them.
CYBER
This type of 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.
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.
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