Filing a Claim

Claims and Premiums

When you purchase general liability insurance, you get the ultimate benefit and that benefit is financial protection against claims that may be filed against you. Those that don't have the necessary financial protection are those that go out of business. read more...

Getting A Certificate Of Insurance

As a business, you need a certificate of insurance because it is this document that is going to prove that you are insured. It also shows what your level of insurance is. It is good if you are able to show what it is you cover. For instance, you may read more...

How to Ensure a Smooth Process

The insurance claim process is not something everyone wants to have to do. It is true that you have your general liability insurance or professional liability insurance in place to cover you in case of an incident in which you may be held liable, but read more...

How to File a Claim

If you have an insurance claim, it pays to know how to file it. That way the claims process can move as smooth as possible and be over with as fast as possible. If you find that there is a possibility for a liability claim, you need to know how to report read more...

Immediate Actions to take during an Incident

When an accident occurs within your business, you need to take immediate action. The reason why you need to take immediate action is because that will make the claims process go much faster for anyone. But first, you have to have a procedure in place read more...

Why to File Immediately

It is important to file insurance claims immediately. First, the details are fresh in the minds of everyone involved. Second, any evidence that can back up the claim is also fresh. Before the insurance company will ever pay on a claim, they have to ensure read more...

Policies

Claims Made Insurance

Claims made insurance is different than time of occurrence insurance. Time of occurrence is where the person you were insured with at the time of the occurrence is the company who pays. When you purchase claims made insurance, you are insured by the read more...

Coverage Overlap with Multiple Policies

There are times in which an individual may have more than one homeowner's insurance policy. This may be done in an effort to receive the most on settlements, but what you may find is that the end result is not what you think it may be or what you want read more...

Gaps in Coverage

General liability insurance is a great tool for you to be able to protect yourself from instances in which you may be accused of negligence. If there is validity to an injury claim, your business will need to pay. When you have liability insurance, it read more...

Insurance Fraud

Insurance fraud occurs when someone intentionally deceives an insurance company in order to receive payment from them. Unfortunately, this is an act that occurs too often, but, fortunately, with new measures that are being put in place, the fraudsters read more...

Items Needed to Write a Policy

There are a number of items that are needed to write a general liability insurance policy. Without the required items, the insurance company cannot do the underwriting that is necessary to create the policy that is going to work for you. But first, you read more...

Policy Limits

Insurance has limits. You pay for a certain amount of protection and if an incident occurs, your insurance company will cover you up to those limits. When interpreting the limits that you have on your general liability insurance, it may look a little read more...

Time of Occurrence

The time of occurrence is when an event takes place. In the case of your business and someone being injured on your property, the time of occurrence is when an accident occurs that is allegedly due to the negligence of your business. Whether or not your read more...

The Basics

Automatic Additional Insurance

As a part of liability insurance, it may be necessary for you to add another person or organization to your policy. This person or organization, however, should fall within the rules of your policy. If you do not have an existing policy and automatic read more...

Bodily Injury Protection

Every business faces liabilities every single day it is in operation. Because of this, there is only one way to provide your business and yourself with the protection you need to stay in business. One of the most severe types of damage that can occur read more...

Contingency Fee Litigation

You make payments on your general liability insurance contingent on the fact that you may be sued at any point and will need your insurance to take care of your defense costs. It does not matter if you win or if you lose, any fees that are acquired due read more...

Defense Costs Insurance

Defense costs can be very expensive because you have to pay for court costs, a lawyer, the gathering of evidence, and so much more. How much the costs are depends upon what you are defending yourself against. Even if you know or feel that you are innocent, read more...

Employment Practices Insurance

As an employer, you never know when your employees are going to make claims against you that require you to defend yourself. If there is any merit to a claim, then you may be held liable for specified damages. Sometimes, damages can be so extensive that read more...

General Liability Basics

We live in a society where an accident can result in a lawsuit against the person responsible for the accident. Severe injuries can be sustained and even death can occur. General liability insurance is protection that a business acquires to protect them read more...

Hired Auto Coverage

If you need to rent an automobile, hired auto coverage replaces or can enhance the liability coverage that is already offered by the rental car company. This doesn't mean that you should not go ahead and obtain the physical damage coverage that is offered read more...

International General Liability Insurance

If you are doing business internationally, you need to make sure that your business is protected internationally. Domestically, when you sign up for your general liability insurance, you are protected. However, the story may be different if you must read more...

Medical Expenses

Whether you own a small or large business, it may be in your best interest to ensure you have medical expenses covered if an accident occurs on the premises. Unfortunately, there are some things that you just don't have any control over, even if you read more...

Negligence

You never know when you are going to be accused of negligence or wrongdoing. As a matter of fact, you never know when your actions may cause an accident and, because of this, the accident may lead to a claim against you. General liability insurance protects read more...

Non Categorized Businesses

If you are a business that is non-categorized, that simply means that you have a business that does not fall into any particular sector. When you file your business's tax return and your business doesn't fall into any of the category codes that you must read more...

Non Owned Auto Coverage

Non owned auto coverage is part of a commercial auto insurance policy and is used to protect your business or to protect you personally when you are driving a vehicle that you do not own. There are many instances in which people drive cars that don't read more...

Personal Injury Insurance

Accidents do happen. Sometimes they are due to a negligent act that led up to the injury and sometimes they're not. In the case that you and your family are involved in an automobile accident that is not your fault. It is true that you can pursue the read more...

Premises and Operations Insurance

Premises and operations insurance is a part of the general liability insurance policy that your business has. It is designed to cover property damage liability and bodily injury while the general public is on the business property. This means that you read more...

Professional Liability Insurance

Professional liability insurance is also called "indemnity insurance." Business owners in many industries are protected by professional liability insurance such as physicians, lawyers, and even accountants. What you are protected against is negligence read more...

Property Damage Insurance

Property damage insurance protects you against damage that may be caused to the property of another by your business. Although it may be a rare occurrence that anyone within your business would cause damage to someone's property, you always need to assess read more...

Separate Automobile Coverage

In addition to your general liability insurance, you may need separate automobile coverage for the vehicles in your business that help you to conduct business. You do have to have separate insurance policies on each of these vehicles, but they can be read more...

Slander and Libel Insurance

Slander and libel is also known as defamation of character and defamation can have very harsh consequences on an individual. Defamation is done when false information is relayed about an individual or any entity. Slander is done when the defamation is read more...

Strict Liability

Strict liability is when a person is made responsible for their products or their action that causes damages and it does not matter at what degree the fault is at in this situation. Fault is not an issue, especially when it is shown that, without a doubt, read more...

Tenant and Liability Insurance

As a landlord, you have to make sure the property that you are renting is properly insured. It does not matter if you rent the property to an individual or a business. You should already have insurance on the structure itself. When you have a standard read more...

Umbrella Policy

An umbrella policy is a way in which you can further protect yourself. You can take out a liability insurance policy, but you may find that your liability insurance is simply not enough to cover the damages that you feel you may incur. Sometimes, you read more...

What Isnt Covered

Every liability insurance policy has its fair share of exclusions. The best way to determine which exclusions apply to you is to simply read your policy. But it is a good idea to have an idea of what may be excluded when you are shopping around for your read more...

Workers Compensation Coverage

Workers compensation coverage is a unique type of protection for your business. In the case that someone is injured on the job, they are going to seek workers compensation to help them get by as they are getting well. When an employee files for workers read more...

Types of General Liability Insurance

Employers Liability

When you employ people, it is a good idea for you to have employer's liability insurance. This is insurance that protects you against any liabilities that may result from disease, injury, or fatality to your employees that may result from the conditions read more...

Product Liability

Product liability insurance protects manufacturers, importers, retailers, and anyone who comes into contact with a defective product from financial liabilities. Everyone from the manufacturer to the store that sells an individual a defective product read more...

Public Liability

Public liability insurance, as a part of general liability insurance types like product liability, covers any damages that are done to a person of the general public. The type of damages that can be done to someone of the general public includes damage read more...

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General Liability Insurance

Protecting Businesses Nationwide Since 1999