Liability insurance protects your business when it’s sued for negligence. As a business owner you know there are many variables that can come with owning a business. You are liable for unintentional accidents, mistakes or injuries in which you or your employees may be involved in. Business liability insurance helps you with the costs of legal defense and legal damages. It covers medical expenses, attorney fees and damages when you are legally responsible and other expenses you might have never thought of.
Anyone who comes in contact with your business can file a claim or lawsuit against you. Someone can trip and fall, and now needs money for medical bills, business liability has you covered. A client purchases a product of yours and it proves defective, and you have to pay for attorney fees and damages, business liability has you covered. You have a disgruntled ex-employee who is bringing legal action against you, again business liability has you covered.
Every business is different, let us put together a business liability program that works best for you business.
Common Liability Insurance Questions:
What Does General Liability Insurance Cover?
The easiest way to explain general liability insurance is to simply say it is lawsuit protection. The policy covers an insured for property damage or personal injury that occurs to a third party due to some incident that occurs. General liability insurance will not or does not cover workmanship, so if you are a window installer and the window falls out due to it not being installed properly, no coverage is afforded.