Tag: Liability

Business Insurance quotes, Public Liability Insurance, NRMA, business liability insurance.#Business #liability #insurance


Business Insurance

Protect yourself and your business against claims for negligent acts, which cause personal injury and/or property damage to others with Public Liability Insurance.

As a tradesperson you do a lot to protect yourself at work. Don’t forget to protect your business too. Our Business Insurance has the cover to do just that.

Are you a doctor, lawyer, accountant, architect, real estate agent or other type of professional service provider? Our Business Insurance has the cover to protect your business.

Business liability insurance

Other products we offer

Hobby Rural Farm

Save up to $75 when you buy Hobby Farm Insurance online.

Whether you’re a grazier, grower, dairy farmer or have a hobby farm, our Farm Insurance has the cover to protect your farm.

Retailers

Save up to $75 when you buy online.

Are you retailing goods or services? Our Business Insurance has the cover to protect your business.

Property Owners

Protecting Commercial properties you own now and for the future is easy. Our Business Insurance has the cover to protect your business.

Hospitality

Save up to $75 when you buy online.

You have a passion for making great coffee and creating amazing meals. Our Business Insurance has the cover to protect your business.

Motor Trades

Motor Trade Insurance is here to help mechanics, panel beaters, detailers and more. Get a quote from NRMA Insurance online

Domestic Services Repairs

Save up to $75 when you buy online.

If you provide services such as the local handyman, domestic cleaner, pet groomer, dressmaker or the like, our Business Insurance has the cover to protect your business.

Health Medical Services

Save up to $75 when you buy online.

Are you a doctor, veterinarian, dietician, osteopath, or offer a type of health or medical service? Our Business Insurance has the cover to protect your business.

Home Business

Nowadays more and more people are discovering the joy of working from home. Make sure you have the correct level of cover to protect yourself and your business.

Business liability insurance

Shannon is a builder who transforms interiors. He shares the opportunities and challenges that have come with running his own business.

Business liability insurance

Vicki is a chef and passionate about food. She talks about what she’s learnt about business since starting her own catering company.

Business liability insurance

Sevi is a florist who always wanted to have her own business. She explains about how long hours, finding great staff and having good insurance have helped her to success.

Download our free NRMA app

NRMA Insurance is a provider of car insurance, motorcycle insurance, home insurance, business insurance, travel insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT TAS. Get your insurance quotes today. For insurance in other states and territories visit SGIO in WA or SGIC in SA. NRMA Insurance is part of the Insurance Australia Group. Business address 388 George St Sydney, NSW (This address is unable to assist with enquiries) for any question or queries please contact us.

*National Roads and Motorists’ Association Limited ABN 77 000 010 506 (the NRMA) is a separate independent company from NRMA Insurance.

For more information about our products visit our sitemap. Insurance (except Travel insurance and Income Protection) issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about our insurance policies you should consider the applicable Product Disclosure Statement.

The Loyalty Discount replaces our previous discount structure, and applies to new eligible policies which commence on or after 16 March 2014, and renewing eligible policies which commence on or after 28 April 2014. For more details, please refer to the Premium, Excess Discounts Guide.

Visit our online terms and privacy security statement | Visit Money Smart for financial guidance from ASIC to help you make informed choices.


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Commercial – Business Liability Insurance #advertise #your #business


#business liability insurance

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Business Liability Insurance

Minimize Your Business Risks with Commercial Liability Insurance

Everyone makes mistakes, and unintentional accidents in your business may lead to injuries that can be physical, financial, or psychological. Anyone who comes in contact with you or your employees can file a claim or lawsuit against you for many reasons, from funds needed for ongoing medical attention to unfulfilled promises stated in a business contract.

Business Liability insurance helps your business stand strong through challenging situations by covering the associated cost of legal defense and legal damages you are obligated to pay, up to the policy limits selected. Connect with a Farmers insurance agent who’s an expert in working with business owners, and select from a wide range of options that fit your individual business insurance needs.

Many scenarios, one solid, customized solution

Your unique business faces a wide range of unpredictability, and Farmers Business Liability insurance can help businesses mitigate potentially devastating lawsuits. Coverage examples include:

Premises and Operations

A customer at the store you own trips over a fixture and sustains a significant injury from the fall. Bills for the hospital visits are submitted to you for payment. Farmers Business Liability Insurance can cover these charges, as well as the business owner, should he be sued by the customer for negligence.

Products and Completed Operations

The deck you built a year ago was flawed, causing a new building owner fiscal disaster. A legal notice appears in the mail informing you of a lawsuit. The case goes to court and your former client wins. Farmers Business Liability insurance can handle the defense costs and, if it comes to it, the legal damages for which the policyholder is responsible.

Cyber Liability and Data Breach

You don’t know why or how, but your computer system has been hacked. And now all your confidential business and customer data could be online, free to trade and impersonate. The least of your worries is finding the source of the data breach and repairing exposed computers. Your focus is now on damage control and possibly recovering stolen data. Fortunately, your Cyber Liability insurance coverage can help provide you with legal and forensic assistance, as well as free data security risk management services for your customers.

Employment Practices Liability

If you’ve been in business for a few years or operate in an industry with high turnover rates, you’ve likely hired many employees, whether temporary or full-time. The truth of the matter is that any of these employees can bring legal action against your business at any time. Farmers Employment Practices Liability insurance can help cover your business entity, directors, officers and employees if you are accused of wrongful termination, harassment, discrimination, and other employment-related offenses.

When it comes to liability, it’s not all business, either. If you own a sole proprietorship or partnership and don’t have Business Liability insurance coverage and your business income can’t cover the entire cost of a claim or lawsuit, the rest of the funds might have to come from your personal assets. In some situations, corporation owners can even fall victim to personal liability. Therefore, it pays to have liability insurance that’s right for your business in more ways than one.

Your Safety and Satisfaction are Number One

Not only does Farmers offer some of the best, personalized service and fast, expert claims handling in the business, but it also makes help available to your business to prevent incidents from recurring and/or mitigate potential future losses. Farmers has highly trained loss-prevention experts on staff who can guide you through educational safety programs and provide supporting materials designed to help improve employee awareness. Contact an agent to get more details today.

Browse coverage for your specific industry


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Business Liability Insurance from Nationwide #business #plan #outline


#business insurance quotes

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Liability Insurance Can Help Protect Your Business from the Unknown

With the day-to-day uncertainties of business management, liability insurance is something you cannot do without. Accidents happen – on site, off site, with employees and with customers – no matter how much you’ve planned. It is a critical part of any insurance portfolio, regardless of your industry.

Liability insurance can help cover medical expenses, attorney fees and damages you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind. For example, any individual or business providing an opinion, making recommendations, designing products/solutions or offering a service is at risk for a professional liability lawsuit. Nationwide can help with defense costs, regardless of fault, as well as protection for judgments, court costs and more.

Nationwide offers great basic plans that can be easily customized with a wide variety of options so you can select the coverage you need. We understand that you need complete business protection, not one-size-fits-all coverage. Our agents will work with you to determine the right type of commercial liability insurance you need for every stage of your business.

You can enhance a basic policy with additional commercial liability insurance options, known as endorsements, that meet the specific needs of your business.

Hired and Non-owned Auto Liability Insurance

Provides auto liability coverage for short-term auto rental or for employees using their personal auto during the course of business.

Umbrella Policies

Extends coverage over and above your other liability coverage. Designed to protect against unusually high losses when the policy limits of one of the underlying policies have been used up.

Product and Completed Operations Liability Insurance

Provides protection for bodily injury and property damage that occurs away from your premises that are caused by your products or your work. The amount of coverage and the level of risk depend on your business type.

Employment-Related Practices Liability Insurance

Covers wrongful termination, wrongful refusal to employ, invasion of privacy or defamation claims made by your employee against you, the employer.

Directors and Officers Liability Insurance

Provides coverage for situations where a poor decision was made by a company’s board of directors or officers resulting in a claim for damage. Coverage can be provided for condominium associations, golf courses and churches.

Liquor Liability Insurance

Protects you against claims for injury sustained by reason of you selling, serving or furnishing any alcoholic beverage during the course of your business operations.

Fire Legal Liability

Provides coverage for fire damage to premises you rent or occupy with the landlord’s permission. You must have been negligent in causing the fire for this coverage to respond.

Understanding Business Liability Insurance – Additional Resources

Ask your agent about Medical Payments, Premises Liability, Employer’s Liability and Employee Benefits Liability.

In addition to the above, please review these additional resources, based on frequently asked questions (FAQs) about business liability:

Prevent Common Business Liability Claims

Learn a few simple things you can do to help prevent many of the most common loss events from happening to you.

Choose Nationwide as Your Business Liability Company

Learn why Nationwide is the #1 Total Small Business Insurer and the right company to protect your small business.

Commercial Auto Liability

Business auto liability insurance is an important safeguard for your business.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.

Business Safety and Loss Prevention

Get disaster and safety planning support from Nationwide, a trusted business insurance company.

Accident Medical Insurance

Protect your organization and its participants during group events.

Medical Stop Loss Insurance

Limit your risk while keeping your employees safe and healthy.

Business Interruption Insurance

Keep your business running when the power, gas or other utility goes out.

Businessowners Policy

Find the right BOP insurance for your medium to small business.

Disaster Planning and Recovery

Prepare your business for natural or manmade emergencies.

Agriculture Insurance

Find solutions, resources and products for your agribusiness.

Commercial Business Insurance Discounts

Get up to 10% off uniforms and workplace safety products.

Business Banking

Find banking solutions that suit the needs of your business.

Business Alerts Insights

Keep on top of safety issues that can affect your bottom line.


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Commercial – Business Liability Insurance #start #online #business


#business liability insurance

#

Business Liability Insurance

Minimize Your Business Risks with Commercial Liability Insurance

Everyone makes mistakes, and unintentional accidents in your business may lead to injuries that can be physical, financial, or psychological. Anyone who comes in contact with you or your employees can file a claim or lawsuit against you for many reasons, from funds needed for ongoing medical attention to unfulfilled promises stated in a business contract.

Business Liability insurance helps your business stand strong through challenging situations by covering the associated cost of legal defense and legal damages you are obligated to pay, up to the policy limits selected. Connect with a Farmers insurance agent who’s an expert in working with business owners, and select from a wide range of options that fit your individual business insurance needs.

Many scenarios, one solid, customized solution

Your unique business faces a wide range of unpredictability, and Farmers Business Liability insurance can help businesses mitigate potentially devastating lawsuits. Coverage examples include:

Premises and Operations

A customer at the store you own trips over a fixture and sustains a significant injury from the fall. Bills for the hospital visits are submitted to you for payment. Farmers Business Liability Insurance can cover these charges, as well as the business owner, should he be sued by the customer for negligence.

Products and Completed Operations

The deck you built a year ago was flawed, causing a new building owner fiscal disaster. A legal notice appears in the mail informing you of a lawsuit. The case goes to court and your former client wins. Farmers Business Liability insurance can handle the defense costs and, if it comes to it, the legal damages for which the policyholder is responsible.

Cyber Liability and Data Breach

You don’t know why or how, but your computer system has been hacked. And now all your confidential business and customer data could be online, free to trade and impersonate. The least of your worries is finding the source of the data breach and repairing exposed computers. Your focus is now on damage control and possibly recovering stolen data. Fortunately, your Cyber Liability insurance coverage can help provide you with legal and forensic assistance, as well as free data security risk management services for your customers.

Employment Practices Liability

If you’ve been in business for a few years or operate in an industry with high turnover rates, you’ve likely hired many employees, whether temporary or full-time. The truth of the matter is that any of these employees can bring legal action against your business at any time. Farmers Employment Practices Liability insurance can help cover your business entity, directors, officers and employees if you are accused of wrongful termination, harassment, discrimination, and other employment-related offenses.

When it comes to liability, it’s not all business, either. If you own a sole proprietorship or partnership and don’t have Business Liability insurance coverage and your business income can’t cover the entire cost of a claim or lawsuit, the rest of the funds might have to come from your personal assets. In some situations, corporation owners can even fall victim to personal liability. Therefore, it pays to have liability insurance that’s right for your business in more ways than one.

Your Safety and Satisfaction are Number One

Not only does Farmers offer some of the best, personalized service and fast, expert claims handling in the business, but it also makes help available to your business to prevent incidents from recurring and/or mitigate potential future losses. Farmers has highly trained loss-prevention experts on staff who can guide you through educational safety programs and provide supporting materials designed to help improve employee awareness. Contact an agent to get more details today.

Browse coverage for your specific industry


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Business Liability Insurance from Nationwide #apply #for #a #business #loan


#business insurance quotes

#

Liability Insurance Can Help Protect Your Business from the Unknown

With the day-to-day uncertainties of business management, liability insurance is something you cannot do without. Accidents happen – on site, off site, with employees and with customers – no matter how much you’ve planned. It is a critical part of any insurance portfolio, regardless of your industry.

Liability insurance can help cover medical expenses, attorney fees and damages you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind. For example, any individual or business providing an opinion, making recommendations, designing products/solutions or offering a service is at risk for a professional liability lawsuit. Nationwide can help with defense costs, regardless of fault, as well as protection for judgments, court costs and more.

Nationwide offers great basic plans that can be easily customized with a wide variety of options so you can select the coverage you need. We understand that you need complete business protection, not one-size-fits-all coverage. Our agents will work with you to determine the right type of commercial liability insurance you need for every stage of your business.

You can enhance a basic policy with additional commercial liability insurance options, known as endorsements, that meet the specific needs of your business.

Hired and Non-owned Auto Liability Insurance

Provides auto liability coverage for short-term auto rental or for employees using their personal auto during the course of business.

Umbrella Policies

Extends coverage over and above your other liability coverage. Designed to protect against unusually high losses when the policy limits of one of the underlying policies have been used up.

Product and Completed Operations Liability Insurance

Provides protection for bodily injury and property damage that occurs away from your premises that are caused by your products or your work. The amount of coverage and the level of risk depend on your business type.

Employment-Related Practices Liability Insurance

Covers wrongful termination, wrongful refusal to employ, invasion of privacy or defamation claims made by your employee against you, the employer.

Directors and Officers Liability Insurance

Provides coverage for situations where a poor decision was made by a company’s board of directors or officers resulting in a claim for damage. Coverage can be provided for condominium associations, golf courses and churches.

Liquor Liability Insurance

Protects you against claims for injury sustained by reason of you selling, serving or furnishing any alcoholic beverage during the course of your business operations.

Fire Legal Liability

Provides coverage for fire damage to premises you rent or occupy with the landlord’s permission. You must have been negligent in causing the fire for this coverage to respond.

Understanding Business Liability Insurance – Additional Resources

Ask your agent about Medical Payments, Premises Liability, Employer’s Liability and Employee Benefits Liability.

In addition to the above, please review these additional resources, based on frequently asked questions (FAQs) about business liability:

Prevent Common Business Liability Claims

Learn a few simple things you can do to help prevent many of the most common loss events from happening to you.

Choose Nationwide as Your Business Liability Company

Learn why Nationwide is the #1 Total Small Business Insurer and the right company to protect your small business.

Commercial Auto Liability

Business auto liability insurance is an important safeguard for your business.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.

Business Safety and Loss Prevention

Get disaster and safety planning support from Nationwide, a trusted business insurance company.

Accident Medical Insurance

Protect your organization and its participants during group events.

Medical Stop Loss Insurance

Limit your risk while keeping your employees safe and healthy.

Business Interruption Insurance

Keep your business running when the power, gas or other utility goes out.

Businessowners Policy

Find the right BOP insurance for your medium to small business.

Disaster Planning and Recovery

Prepare your business for natural or manmade emergencies.

Agriculture Insurance

Find solutions, resources and products for your agribusiness.

Commercial Business Insurance Discounts

Get up to 10% off uniforms and workplace safety products.

Business Banking

Find banking solutions that suit the needs of your business.

Business Alerts Insights

Keep on top of safety issues that can affect your bottom line.


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Texas Contractors General Liability Insurance Quotes, contractors general liability insurance.#Contractors #general #liability #insurance


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Contractors General Liability Insurance Quotes, Texas, TX

Contractors general liability insurance

Contractors general liability insurance

Contractors general liability insurance

Contractors general liability insurance

Email Quotes Contractors general liability insurance

Contractors general liability insurance

We offer Contractors General Liability Insurance packages as well as Stand Alone Commercial General Liability. We can tailor contractors coverage options for different types of contracting operations. Whether it is for building, company liability, equipment, inventory or company vehicles, we offer products and services that help protect your business venture.

Electricians Insurance

Contractors general liability insurance

HVAC Repair / Installers Insurance

Contractors general liability insurance

Roofers Insurance

Contractors general liability insurance

Painters Insurance

Contractors general liability insurance

Contractors Insurance

As a tradesman and a business owner you know the risks you face are unique. You need an Agent who agrees with your philosophy. Prompt professional service is what you need when your under a deadline. Most of our Professional Contracting clients can expect to confirm and receive evidence of coverage under a new contractors insurance policy within an hour or 2. Same day or next day coverage is available on most product markets.

Casualty Insurance consists primarily of liability coverage, which protects a contractor against injury or damage claims made by other parties. Policies provide for liability arising out of:

Fire Damage Liability (damage by fire to premises rented to insured)

Personal and Advertising Injury

Products / Completed Operations

You may want to consider a Business Owners Package which combines your Liability Insurance, Business Property and other types of coverage into one comprehensive policy which could help you save time and money on your contractor insurance in Texas. And, since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Insurance Policy where appropriate. We can tell you more about these plans and help you decide if one is right for you.

Contractors general liability insuranceCommercial Property Insurance covers the risk of property loss in a variety of situations. Coverage can include commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

Direct losses may be covered when property is lost, stolen, damaged or destroyed.

Indirect or consequential losses related to direct losses may also be covered.

Business auto insurance covers vehicles that are owned, leased, hired or borrowed by your contracting businesses, whether you are a contractor, an association, corporations, partnerships or sole proprietorships. Business auto insurance plans may be used to insure private passenger autos and all types of trucks, trailers, semi trailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverage and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

All Insuring Markets that your request are matched with have been prequalified and Rated as B+ or A. Most providers you will find to be A+ Rated Underwriters or Agent Brokers of A Rated Underwriters. The Minimum Company Rating currently accepted is B+. Many Personal Lines liability quotes do not require credit scoring though some markets will decline to quote without it. Most all Commercial lines will require Business or Guarantor Credit Scoring. How do we do it? We use our experience and expertise in business to bring Consumers together with Respected Insurers to compete for your business. You can Submit your coverage need for a quote online. Have your request professionally compared and matched to multiple coverage providers for the best rate. Buy the policy that’s right for your coverage need. Get your quote online or by talking directly with us. Liability Insurance in broad terms is coverage that can provide protection for certain actions or inactions of the named insured that may result in a financial liability. Direct or indirect losses can arise for which an insured might be held financially liable. Whatever Profession your in, We offer tailored Professional Liability Coverage for all types of Businesses and Professions. Whether you need Professional Liability Insurance, Commercial zone Buildings, Business Properties, Equipment, Inventory or even your Company Vehicles, we offer products designed especially for the protection of your business interests.

One never knows when a Liability claim may arise our of our daily activities. Personal and work related issues can lead to unexpected consequences. It is not necessary for the professional to be found directly at fault in a claim in order to held financially liable. Often indirect fault can produce a liability. So, a good comprehensive policy is the best choice for ultimate security and protection. Legal defense costs are standard.


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Medical professional – definition of Medical professional by The Free Dictionary #professional #liability #underwriting

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health care provider

The medical professional today more than ever is faced with both the clinical and administrative pressures of health care delivery.

The incidence rate and severity of injuries in high school athletics has been well documented in the literature and supports the need for having qualified medical professional available to high school athletes on a daily basis.

com/research/9nr3fj/china_medical) has announced the addition of the “China Medical Professional Engineering Industry Report, 2012-2014” report to their offering.

Conventus is the only 100% physician owned and 100% physician governed company offering medical professional liability insurance coverage for New Jersey physicians.

com/reports/c15095) has announced the addition of Medical Professional Websites: Building Relationships with Physicians Online to their offering.

will discuss ProAssurance and our view of the medical professional liability market.

13 /PRNewswire/ — The Massachusetts General COurt approved legislation that transforms the Medical Professional Insurance Association, formerly the Medical Malpractice Joint Underwriting Association, into the member owned Medical Professional Mutual Insurance Company.

ProAssurance will discuss the reported results and its view of the medical professional liability industry in a conference call at 10:00 am ET that same day.

The Physician Insurers Association of America (PIAA), a national trade association that represents doctor-owned and/or operated medical professional liability insurance companies, commented today on a report released last week by Ralph Nader’s national group, Public Citizen.

Royal Philips Electronics (NYSE: PHG, AEX: PHI) today announced the 100,000(th) registered medical professional on the Philips Learning Center, an online resource providing continuing education anytime, anywhere one can access the Internet.

With more than $700 million in annual premium, Medical Protective is a national leader in primary medical professional liability coverage and risk solutions to physicians, dentists, healthcare facilities and professional corporations.


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What Does A Businessowners Policy (BOP) Cover? #what #does #general #liability #cover


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What Does A Businessowners Policy (BOP) Cover?

Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the businessowners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

BOPs include:

  1. Property insurance for buildings and contents owned by the company — there are two different forms, standard and special, which provides more comprehensive coverage.
  2. Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
  3. Liability protection, which covers your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.

BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees.

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Insurance Topics at a Glance

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Business Liability Insurance Quote Questions – Nationwide #liability #insurance #quote, #general #liability #insurance #quote,

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The general liability insurance quote: key questions

So you’ve decided to get a liability insurance quote to protect your business. Your agent, in order to help you secure a policy best suited to your needs, will need to ask a few questions to gain better insight into your business. So be prepared to open your books and answer some detailed questions about your company, who you are and what you do. This will make it easy for them to write you a policy with the right amount of coverage.

You’ll be asked about the type of company you run, how many people you employ, the area where your business is located, and have an open discussion of your company’s revenues and future projections. Our advice is to always be forthright and as transparent as possible – so the quote and policy will accurately reflect the realities and risks of your business.

Typical questions for a general liability insurance quote

Beyond the standard questions, here are some details you may be asked during the quote process:

  • Social Security number or Federal Tax ID number – to obtain a credit check
  • Declaration page of your current general liability insurance policy (if you have one) to give the agent an idea of your new or changing insurance needs
  • Any prior losses your company has experienced. Keep in mind that a loss doesn’t necessarily mean your premium will be higher. (Nationwide, for example, evaluates each customer and loss event on a case-by-case basis)
  • List of company officers and their positions if different from the owners of record. Be ready to discuss how much experience your senior executives have in the industry and at your company. Typically, the longer and more successful the company’s overall record, the better the risk for the insurer – and the lower the premiums
  • Annual sales and payroll, along with a breakdown of the number full-time and part-time employees, and if you employ any subcontractors or consultants
  • Depending on the type of business, you may be asked about your building space and the total area of the building you occupy
  • Details about the products you handle – especially if you’re in the retail, wholesale or manufacturing sectors. Companies in the service and construction industries will need to share the details of current and future operations

You can always rest assured that any information you provide to the agent for your general liability insurance quote will be kept confidential. As a matter of liability, that’s the promise we in the insurance industry keep for our clients – including you.

Need a general liability quote now?

Start the process to get a business liability insurance quote today.

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Florida Bodily Injury – Answers about how things work, in plain English, after a

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Florida Bodily Injury

Understanding how Florida bodily injury works will help you understand how you will get your medical care covered for your injuries. All states have requirements for the type of car insurance you are required to purchase in order to drive.

In Florida, drivers are NOT required to purchase Bodily Injury Liability. Drivers are required to purchase Personal Injury Protection (PIP), and Property Damage Liability.

Injured In An Accident?

FREE Evaluation of your claim.

Personal Injury Protection – (PIP)

Whether you are responsible for the accident or not, your own insurance company will pay for the medical expenses and loss of wages for you and your passengers. To understand in more detail how PIP works, return to this page, Understanding How PIP works- getting your medical care paid for.

After a car accident in Florida it is very important that you call your own insurance company to report the accident, even if you know the other driver was at fault.

Before calling your company, look over at this page, Car Accident Claim – 10 Essential Claim Tips to help you have the best outcome with your claim.

Bodily Injury Liability

Because this coverage is NOT required in Florida, your own insurance company will pay for your medical expenses through your PIP coverage. If your PIP coverage is not large enough for your injuries, your case may become complicated. At this point, it is time to seek the services of an attorney.

Property Damage Liability

This liability covers you if your car damages someone else’s property. This means damage to their car, or their property, such as crashing into someone’s fence, or if you crash into their home. Like Bodily Injury Liability, Property Damage Liability coverage will provide legal protection to you if you are sued after the accident.

Who Was At Fault

Florida is a No Fault State. This means that your insurance company will pay for your medical bills regardless of who was at fault in the accident. After a car accident in Florida call your own insurance company, even if the other driver was at fault, as your medical claims will come from your own insurance through PIP.

After a car accident in Florida it is very important that you call your own insurance company to report the accident, even if you know the other driver was at fault.

Florida uses a Pure Comparative Fault rule, which means that an injured person can recover damages, even if the injured person was 99% at fault. However, the recovery will be reduced by amount of fault.

Determining who is at fault after a car accident is complicated and cannot be sorted out online. Your insurance company will help you with this.

Florida Statute of Limitations

The Statute of Limitations means that you must file a lawsuit or close or settle your case within your state time limits. The time clock starts on the day of the car accident.

Property Damage: 4 years

To learn more about your State’s insurance rules and regulations:


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