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Why Use a Local Insurance Agent?
Personal face to face contact will provide a better assessment of your needs. I have often wondered how a 1-800 company can possibly insure your house and cars without ever having seen them? Working with us gives you the opportunity to have your questions answered and trust that you have the correct insurance protection for your family.
No
person or business can afford to be unprepared for a lawsuit.
Liability insurance protects your business assets when the business is sued for something the business did (or failed to do) that contributed to injury or property damage to someone else.
Liability coverage extends not only to paying damages but also to the attorneys' fees and other costs involved in defending against the lawsuit, whether valid or not.
The standard business owners policy provides liability coverage, as does a separate policy known as a general liability insurance policy.
Generally, commercial liability insurance, whether purchased in a separate policy, or as part of a standard business owners policy, will cover bodily injury, property damage, personal injury or advertising injury. The medical expenses of a person (other than an employee) injured at the business or as a direct result of the operations of the business are also covered.
Usually excluded from both types of liability insurance policies are suits by customers against a business for nonperformance of a contract and by employees charging wrongful termination or racial or gender discrimination or harassment.
We are living in a world where it is easy to sue someone for just about anything and you do not want to lose what you have worked hard to build up for you and your loved ones.
Plan ahead. Call us now. We will put together a plan that will protect you, your family, and your business.