Washington General Liability Insurance
Washington general liability insurance is almost essential to any business in the state of Washington. You may wonder why this type of coverage is so important, but it is important because it may be what keeps you in business. As a business owner in Washington, you are responsible for the things that happen on your company property. That means that if someone is injured or wronged on your property, you can come under legal scrutiny and have to pay large fees. Washington general liability insurance will help to pay for these fees should you have a lawsuit brought against you.
General, or commercial liability insurance, has the potential to cover many different types of Washington claims. Bodily injury, personal injury or even advertising injury are all suitable claims that may come up. When legal action is taken, you as the business owner are responsible for all fees that may play a part of the lawsuit. However, with a good general liability insurance plan to support you, you may only have to pay for part or even none of the damages.
Plans and Policies
As with all types of general policies, there are many different types of general liability insurance and differing levels of coverage. Many Washington business owners purchase their Washington general liability insurance in a kind of package along with their property coverage. But these types of plans are often not sufficient to cover the large fees that come as a result of an accident at the workplace. As a result, many companies chose to purchase additional coverage. The following are some of the types of Washington general liability insurance policies that you can purchase.
One of the main types of policy that is purchased by WA businesses is referred to as automatic additional insured. This type of coverage is automatically paid to the victim after the accident or event happens. The limit of this type of coverage is defined in the policy.
A second type of coverage is advertising or personal injury. You will need this type of coverage should someone become offended due to the conduct of you or an employee. For example, should one of your employees commit slander and offend a client, you may be responsible for the claim. This type of coverage also covers you should someone bring a claim on you due to copyright infringement in your advertising. These claims are very common and it can be very beneficial for your business to have this type of Washington general liability insurance.
Other policy options include specific coverage choices for various different expenses. Medical expenses, court fees, employee lawsuits and bodily injury are all types of general liability insurance policy options that you will want to consider depending on your business. Often these types of coverage are all present in your Washington general liability insurance policy, but it pays to read the fine print to be sure.
Deciding and Purchasing
After examining different WA policy options, it is wise to also examine your business in order to decide what types of claims are most likely to come up. A company that specializes in making products that involve heavy machinery would be more likely to see injuries and should get a policy that covers bodily injury. Someone in Washington that advertises heavily will most likely see quite a few advertisement infringement claims and should look for a general liability insurance plan that reflects that need. Taking a deep look into what types of problems are going to be most prevalent in your venture is a way to save some money and time when you buy your Washington general liability insurance policy.
There are many coverage options in the state of Washington and that means that prices are very competitive. It is wise to take the time to compare premiums, as well as overall rates and prices. You can easily obtain quotes online and quickly find policies and plans that are perfect for your particular business and budget. The days of struggling to find appropriate Washington general liability insurance are over, and the process has become streamlined and easy. You no longer need to waste time or money trying to locate potential insurers.
We have already provided you with a great resource to help you locate a Washington general liability insurance plan that fits your business needs. Coverage can be both comprehensive and cheap if you take the time to find the appropriate policy. The right claim can ruin a business financially, but you do not need to fear claims or lawsuits. General liability insurance is in place to help you protect your profits as well as protecting the overall future of your enterprise. Find a plan and make the decision to stop worrying.