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Liability Insurance

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No two businesses will require the exact same liability insurance policy. Your liability needs are very specific.

You need certain liability insurance coverages in place to ensure that both you and your business are completely protected from financial loss.

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The liability limits within your liability insurance policy will be shown in the declarations pages of your policy.

These limits will show the most your liability insurance policy will pay in any policy year, regardless of the number of insureds on your policy, the number of claims made or suits brought, or the number or persons or organizations making claims or bringing suits against you and your liability insurance policy.

The aggregate amount of insurance on your liability insurance policy is reduced each time a claim is paid out on your liability insurance policy.

The aggregates are reinstated in full on every liability insurance policy renewal/anniversary date.

Occurrence Limit
This liability insurance limit is the most your liability insurance policy will pay for any claim that is only from one occurrence.

General Aggregate
This liability insurance limit is the most that your liability insurance policy will pay during the policy term. As stated above, your aggregate limits will start fresh every time at the anniversary date of your liability insurance policy.

Personal and Advertising Injury Limit
This liability insurance limit is the most that your liability insurance policy will pay for the sum of all damages due to personal injury or advertising injury to any one person or organization.

Products Completed Operations Aggregate Limit - This liability insurance limit is the most your liability insurance policy will pay for damages because of injury and damage included in the "products-completed operations" hazard (see below for definitions).

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Liability insurance provides third-party coverage. This means that all payments under the liability insurance policy are made to "third-parties" who are not one of the two parties in the liability insurance contract.

Your liability insurance policy will cover you and your business from the following
liability exposures:

Products:
The legal liability exposure of manufacturers, wholesalers, and retailers begins with the design of the product, continues after the product has been sold and after it has left the insureds premises. If the customer is injured or property is damaged due to a faulty product, the manufacturer, the seller, or both may be held liable.

Completed Operations:
This is simi liar to the products coverage and provide's for a contractor's liability for injuries or property damage suffered by third parties as the result of a contractor completing the operation

Premise:
Building owners and tenants become liable for damages if someone is injured or their property or there is damage because of a condition arising out of the premises.

Business Operations:
In addition to being held liable for conditions on premise occupied by your company, you may also be held liable if someone is injured or their property is damaged on or away from the premises by you as the owner or any employees representing the company.

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In addition to all of the above-mentioned liability exposures, your liability insurance policy will cover you and your business from legal defense costs.

Legal expenses incurred by you and your business can be devastating if not properly covered. Your liability insurance policy will pay for your legal defense in defending a suit even if the charges are false, fraudulent or groundless.

Your liability insurance policy will also cover the awards granted by the court to the innocent party. There are two damages the court can award; Compensatory & Punitive Damages.

Compensatory Damages
Include reasonable medical expenses, ruined clothing, loss of wages while the injured party is recovering, and possibly future income that the insured will lose because of the injury.

Punitive Damages
Awards that are granted in excess of those required to compensate the injured party for the wrong done.

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Keep in mind that insurance companies are competing for your liability insurance policy. You will save money when you compare liability insurance prices.

You can purchase millions of dollars in liability insurance coverage for a reasonable price. If you want even more you can always purchase an
excess liability insurance policy.

How much can you save on your liability insurance?

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You are under no obligation to buy liability insurance and there is no cost for our service.

With the Virtual Insurance Consultant you are able to Compare Free Liability Insurance Quotes, and find affordable business liability insurance coverage.

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