Tag: Liability

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


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


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


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


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


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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Franklin, Cooper – Marcus, PLLC, Chattanooga Area Attorneys and Counselors at Law #chattanooga #attorneys,



Franklin, Cooper Marcus PLLC, Lawyers in Tennessee

Regardless of the type of legal issue you are facing, unfamiliarity with the legal system can leave you confused and anxious. You want an experienced attorney, one with a comprehensive understanding of the law, and who will keep you continually informed about the options and the likelihood of success.

At the law offices of Franklin, Cooper & Marcus, PLLC. all of our attorneys have many years of experience. One of our attorneys has represented clients for over 40 years, two have over 30 years and the forth over 20 years of practice experience.

Because we understand the stress that uncertainty can cause, we place a high priority on communication and responsiveness. We work hard to make ourselves available when you need questions answered and to keep you continually updated regarding the status of your legal issues.

We offer experienced and accessible legal counsel in matters involving civil litigation, including:
Insurance defense:
We represent insurance companies and their insureds in the areas of automobile, premises, commercial, construction, workers’ compensation and products liability claims.

Business disputes:
Our attorneys represent individuals and companies in business disputes, including contract and other issues.

Medical malpractice defense:
Whether you are a physician, a medical group, or a hospital or other medical care facility, we provide medical malpractice defense.

Mediation and arbitration:
All of our attorneys have years of experience with alternative dispute resolution. Three of our attorneys are Tennessee Supreme Court Rule 31 Listed General Civil Mediators.

Personal injury:
We protect the rights of individuals and companies under a variety of circumstances, from motor vehicle accidents and defective products to negligently maintained property.

Insurance law:
Whether you need a coverage opinion or are facing a first party claim, our experience allows us to guide you through insurance law issues, insurance claims and insurance related litigation.

General civil litigation:
Our attorneys are experienced with civil litigation covering a wide variety of subject areas and issues, insurance claims and insurance related litigation.

Our offices are open from 8:00 am until 5:00 pm, Monday through Friday.
Evening and weekend appointments are available upon request.

At the law offices of Franklin, Cooper Marcus, PLLC, in Chattanooga, we represent individuals throughout southeast Tennessee and northwest Georgia, including Cleveland, Charleston, Madisonville, Sweetwater, Benton, Tellico Plains, Athens, Decatur, Dayton, Pikeville, Dunlap, Jasper, Winchester, Tracy City, Manchester and Tullahoma.

Hamilton County | Bradley County | Monroe County | Polk County | McMinn County | Meigs County | Rhea County | Bledsoe County | Sequatchie County | Marion County | Franklin County | Grundy County | Coffee County | Whitfield County, GA | Walker Co. GA |
Catoosa Co. GA | Murray Co. GA

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Parker Waichman LLP #personal #injury #lawyers, #auto #accident #attorneys, #social #security #disability #insurance, #defective


About Parker Waichman LLP

Parker Waichman LLP is a leading national personal injury law firm, recognized for the results we deliver for our clients across a wide range of personal injury claims. With Offices in New York. Long Island. New Jersey and Florida. Our team of experienced attorneys allow Parker Waichman LLP to be a leader in the areas of: Personal Injury, Social Security Disability, Nursing Home Abuse/Neglect, Mass Tort Litigation, Defective Drug Litigation, Defective Medical Device Litigation, product liability, toxic exposure, consumer rights and other personal injury cases.

Over $1 Billion Dollars in Settlements Verdicts
for Our Clients Click to Get Breaking Legal News

With any legal concerns
you might have.

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Please note that you are not considered a client until you have signed a retainer agreement and your case has been accepted by us.
Prior results do not guarantee or predict a similar outcome with respect to any future matter. | Attorney Advertising.

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Obtaining a Liability Insurance Policy #business #liability #insurance #policy


Obtaining a Liability Insurance Policy

For many companies, liability insurance is an option. However, for striping companies it is more of a necessity. Having a liability policy will accomplish two goals. First, it will cover you against liability if you damage something on someone else s property. For example, say you get too close to a car and scrape it or say a person slips in your wet paint and injures themselves. You are going to want to be covered for these events even though they are unlikely. With that being said I want to go over the main reason for having liability insurance. It helps you get jobs! I can t tell you how many times I have bid a job and been asked whether I carry liability insurance. If I did not have it I would not have gotten the jobs. Other striping companies that don t carry it are now no longer competition on the nice jobs just because of that one item. (Another item they will ask for is workers comp or a workers comp exemption. I will cover that in the next article.)

The question many stripers have is what type of policy to get. If you are mainly striping and doing a little sealcoating manually now and then you may want to look into a specialty painting contractors policy. If you begin using heavy equipment that can injure someone you will need to step up to a more comprehensive policy. An insurance agent can help you determine which is best for you. Find an agent you can trust and make sure they don t sell you more or less than what you need. The liability limit is something that customers look at. Get what you can afford and if you need to bump it up you can do that by calling your agent.

In conclusion, for a small striping company the liability coverage that a policy provides is comforting, but very few companies actually do any damage or hurt someone where they use that part of a policy. The main reason for having the policy would be making the customer happy and getting jobs. For a larger company with heavy equipment liability is a must and is the most important reason to carry insurance. If your machines injure someone the policy will cover you. Without it you would be out of business. Getting jobs would be secondary in this situation.

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Los Angeles – Office – Wilson Elser #product #liability #attorney #los #angeles


Los Angeles

For nearly 35 years, Wilson Elser’s Los Angeles office has consistently proven itself a valuable resource for local, national and international clients alike. Approximately 50 office attorneys draw on Wilson Elser’s broad spectrum of capabilities to skillfully and seamlessly coordinate an array of legal services. We have extensive experience in the areas of litigation and insurance coverage and, given our frequent role as national counsel, are accustomed to handling matters that go well beyond Los Angeles’ borders. These experiences allow us to share knowledge and perceptions concerning procedural changes in our state courts and our insights into its judges and mediators.

Representing a remarkably broad spectrum of legal services – whether provided directly by one of our nearly 50 attorneys or drawing on the resources of the broader firm – our vast experience and insistence on bottom-line value respect our clients’ economic realities while advancing their business objectives.

We offer ready access to virtually any legal service, drawing on the collective experience resident among our own attorneys and our colleagues throughout the broader firm. Wilson Elser’s national practice team structure, leveraging the benefits of technology, makes it possible for one point of contact to marshal any or all of the resources our clients require to advance even their most ambitious legal objectives.

To see the full breadth of our firmwide capabilities, visit our Services page.

For more than 35 years, Wilson Elser has been the smart choice for companies requiring high-quality legal services balanced with exceptional value. Our firm serves Fortune 1000 and mid-market companies and is the first choice for several of the country’s largest insurers and their insureds. As the “go-to” firm for all types of litigation and legal business matters, Wilson Elser provides a holistic approach to our clients’ legal needs through our more than 60 service areas, 32 national offices and nearly 800 attorneys.

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General Liability Insurance #loans #to #start #a #business

#business liability insurance


General liability insurance

Protect your business from liability claims

General liability insurance (GL) is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

Who needs general liability insurance?

General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but it’s also available to many contractors as a stand-alone coverage through the Progressive Commercial Advantage SM program .

As a contractor or small business owner, you need some form of general liability protection to safeguard your livelihood.

A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against is to make sure you have liability coverage that matches your level of exposure.

Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.

General liability insurance for contractors

If you’re a contractor, you might only want general liability – not a full BOP. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you’re still exposed to liability risks from your job.

You might be eligible to get general liability insurance, without the extra coverages in a BOP, through the Progressive Commercial Advantage program. We offer general liability, as well as * Blanket Additional Insured Coverage to contractors who qualify.

*Blanket Additional Insured Coverage extends your existing liability insurance to other entities as required by some contracts with employers.

Get it all in a BOP

General liability, along with other coverages, is available in BOPs written through the Progressive Commercial Advantage program.

If you need to protect things like personal property used for your business, or commercial buildings such as garages or storage facilities, you might require the additional protections provided in a BOP.

Quote online or call for expert advice.

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