What is the best program for your business?
How important is a quick response to a question, claim, or certificate request?
Do you really need workers compensation or as a sole proprietor is it better to have 24 hour coverage with a disability policy?
Do planned, budgeted premium payments make financial sense?
Does our experience mean anything to you?
Do you like to talk to a person who speaks English or are you satisfied with a foreigner you can’t understand?
If you think service is important and are tired of pressing an array of phone extensions which are never manned, we are the answer.
The Commercial General Liability Policy is very interesting. It breaks down the exposures into classes and limitation and kinds of issues.
- Premises: Injury for slip and fall
- Operations: Damage or injury from doing your occupation (e.g. carpenter)
- Products: due to using a product that you sell (e.g. Glass in sandwich)
- Completed Operations: Injury or damage after you have completed your task (e.g. Roofer missing a seam causing water damage)
- Advertising Liability: Misinformation that a person depends on and is false or erroneous and caused injury and damage.
- Occurance: Negligent act causes problem and amount of liability that carrier will pay for each negligent act.
- Aggregate: Amount company will pay for entire duration of insurance term (1 year). After using up all the aggregate limits, there is no coverage left. You would need to purchase another policy.
You can use a deductible to decrease your premium, similar to property insurance.
If you are a consultant, accountant, engineer, attorney, etc., you need to protect yourself in the event your action or non-action causes a client loss. There is no touching in Professional Liability. It is bad advice, failing to do something, or errors or omissions in your work.
It is a law and punishable by fines if you have an employee and you do not carry a Workers Compensation policy. There are no excuses or a defense for the employer if the employee is injured while working on the job.
Workers Compensation is the sole provider of coverage in the event that an employee is injured (expect in New York).
Employers Liability is a part of the policy and is used if the injured worker decides to not take Workers Compensation Statutory benefits and wants to sure the employer under Employers Liability.
If he or she feels the employer did something so ridiculous that the employer endangered the employee’s life by not doing a reasonable, normal thing. For example: not checking validity of license and allowing unlicensed employee to drive other employees or not furnishing a piece of equipment one would think normal – high reach equipment vs. ladders.
Each state has different laws, awards, and interpretations of fact.
- Business Auto
- Offices and Retail Properties
- Garage Business
- Directors and Officers