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Liability Insurance
What Liability Insurance Covers
- Bodily Injury
- A restaurant sells clam pizza. A customer chips their tooth on a piece of a shell that remained in the pizza. A liability policy will pay for the medical expenses to repair the tooth.
- Property damage and data loss
- A consultant is working at a client’s office. The consultant accidentally damages the client’s systems when their computer overheats. The consultant’s liability policy will pay to repair the damages and the cost to replace any lost data.
- Personal Injury
- A client overhears a contractor speaking about them in false and hostile ways. The client then sues the contractor for slander. The contractor’s general liability policy will cover defense costs and any settlement.
Professional Liability Insurance
What Professional Liability Covers
- Disaffected clients
- A pool cleaner checks up on a pool’s systems and specifies that maintenance is to be done every three months. A year later, the pool’s systems breaks down and the client has failed to perform to prescribed maintenance. The client sues the cleaner for failing to ensure the pool’s systems work. A professional liability policy protects the cleaner.
- Negligence
- A consultant is working with a design company to build an athletic field. The consultant fails to accurately convert the measurements from meters to feet and the field is built with errors. A professional liability policy will cover the liability.
Workers Compensation
Employers in DC, MD, and VA are often compelled by their state governments to hold current Workers Compensation Insurance. Since workers compensation is generally required, it is usually purchased in conjunction with a General Liability Policy or a Business Owners Policy. Workers Compensation covers:
Business Owners Policy
What a Business Owners Policy Covers
- Business Owners Policies combine general liability insurance and property insurance to create a policy that many businesses require.
- Liability Insurance
- Liability Insurance protects businesses from another person’s claims of bodily injury or damage to their property.
- Property Liability Insurance
- Your business’s appliances, furniture, and equipment need to be covered from accidental damage.
- Liability Insurance
Errors & Omissions Insurance
What Errors and Omissions Cover
- Disaffected clients
- A pool cleaner checks up on a pool’s systems and specifies that maintenance is to be done every three months. A year later, the pool’s systems breaks down and the client has failed to perform to prescribed maintenance. The client sues the cleaner for failing to ensure the pool’s systems work. A professional liability policy protects the cleaner.
- Negligence
- A consultant is working with a design company to build an athletic field. The consultant fails to accurately convert the measurements from meters to feet and the field is built with errors. A professional liability policy will cover the liability.
Commercial Auto Insurance
Commercial Auto policies protect your vehicles, your workers, and your finances from any liability issue arising from the use of your vehicles.
- A life insurance medical testing company sends a paramedic to a home to retrieve blood samples. The paramedic hydroplanes and rear ends the car in front of it, causing damage to the car and mild injuries to the other driver. The commercial auto policy will cover the cost to repair both cars and the medical bills for the injured driver.
