Popular Frequently Asked Questions

Worker’s Compensation Insurance pays for all state mandated benefits, including medical expenses, a percentage of lost wages, replacement services for daily self- care, and even household chores if the employee is unable to provide for themselves. Most states include Employers Liability coverage in the Workers Compensation policy. Employers' liability protects the employer from lawsuits claiming an employee’s injury occurred due to the negligence of the employer.

Worker’s Compensation Insurance pays for all state mandated benefits, including medical expenses, a percentage of lost wages, replacement services for daily self- care, and even household chores if the employee is unable to provide for themselves. Most states include Employers Liability coverage in the Workers Compensation policy. Employers' liability protects the employer from lawsuits claiming an employee’s injury occurred due to the negligence of the employer.

1. Trucking firm’s employee hits an icy spot on the interstate and slides into a vehicle which then hits the vehicle in front of them and so on.  Multi-vehicle pile-up, many people injured and vehicles damaged. The trucker's liability limit of $1,000,000 is exhausted quickly, luckily this trucking firm had a $25,000,000 Umbrella.

2. Manufacturer's rechargeable battery component, in the laptop computers they build, is defective. The batteries can cause the laptops to catch on fire.  One client’s computer caught on fire in the middle of the night, burning down his house and injuring his family. The manufacturer’s product liability in the primary general liability of $1,000,000 was not enough to pay the jury awarded a judgement of $5,000,000 to the family. The manufacturer had also purchased a $10,000,000 umbrella which paid the additional amount of judgment.

3. A demolition contractor takes a job to renovate an older building that has asbestos present. He sends his crew to start tearing out walls & fixtures, without providing any type of personal protective equipment as he also is unaware of the asbestos. The employees later get very ill, with breathing issues, pulmonary distress, and the beginning manifestation of lung cancer all caused by the exposure to asbestos. The employees sue the employer for gross negligence and win. The $1,000,000 employer liability limit included on the worker's compensation policy is not enough to pay the awarded damages. An Umbrella policy would contribute to pay the rest of the damages in this type of situation.

1. Trucking firm’s employee hits an icy spot on the interstate and slides into a vehicle which then hits the vehicle in front of them and so on.  Multi-vehicle pile-up, many people injured and vehicles damaged. The trucker's liability limit of $1,000,000 is exhausted quickly, luckily this trucking firm had a $25,000,000 Umbrella.

2. Manufacturer's rechargeable battery component, in the laptop computers they build, is defective. The batteries can cause the laptops to catch on fire.  One client’s computer caught on fire in the middle of the night, burning down his house and injuring his family. The manufacturer’s product liability in the primary general liability of $1,000,000 was not enough to pay the jury awarded a judgement of $5,000,000 to the family. The manufacturer had also purchased a $10,000,000 umbrella which paid the additional amount of judgment.

3. A demolition contractor takes a job to renovate an older building that has asbestos present. He sends his crew to start tearing out walls & fixtures, without providing any type of personal protective equipment as he also is unaware of the asbestos. The employees later get very ill, with breathing issues, pulmonary distress, and the beginning manifestation of lung cancer all caused by the exposure to asbestos. The employees sue the employer for gross negligence and win. The $1,000,000 employer liability limit included on the worker's compensation policy is not enough to pay the awarded damages. An Umbrella policy would contribute to pay the rest of the damages in this type of situation.

⇒ Injury from slips and falls on owned or rented premises.

⇒ Property damaged during work performed.

⇒ Foodborne illness from eating at a restaurant.

⇒ Faulty work or product which causes bodily injury or property damage.

⇒ You place an advertisement in a publication and unknowingly use a logo that is trademark protected.

⇒ Injury from slips and falls on owned or rented premises.

⇒ Property damaged during work performed.

⇒ Foodborne illness from eating at a restaurant.

⇒ Faulty work or product which causes bodily injury or property damage.

⇒ You place an advertisement in a publication and unknowingly use a logo that is trademark protected.

Ask yourself, what does my business have to lose? Consider your business’s operations,  gross revenue, payroll, business-owned assets, cash in the bank, employee competency, customer base, when you start to think about what limit is enough. These factors influence the general liability insurance premium charged by the insurance company. If, after you assess these aspects of your business and find you need assistance, please call to talk with one of our licensed agents. 

Most carriers offer incremental limits of $300,000, $500,000 and $1,000,000 per occurrence on a general liability policy. Anything above that must be achieved with the purchase of an umbrella policy.

Ask yourself, what does my business have to lose? Consider your business’s operations,  gross revenue, payroll, business-owned assets, cash in the bank, employee competency, customer base, when you start to think about what limit is enough. These factors influence the general liability insurance premium charged by the insurance company. If, after you assess these aspects of your business and find you need assistance, please call to talk with one of our licensed agents. 

Most carriers offer incremental limits of $300,000, $500,000 and $1,000,000 per occurrence on a general liability policy. Anything above that must be achieved with the purchase of an umbrella policy.

Any business that owns business property such as a building, stock/inventory, equipment, office furniture, computers, and supplies needs this type of insurance. The owner of an IT office with several computers and office supplies can purchase the insurance to protect the office contents. Other small businesses like restaurants and retail stores can buy Commercial Property Insurance policies for protection against unavoidable perils.

Any business that owns business property such as a building, stock/inventory, equipment, office furniture, computers, and supplies needs this type of insurance. The owner of an IT office with several computers and office supplies can purchase the insurance to protect the office contents. Other small businesses like restaurants and retail stores can buy Commercial Property Insurance policies for protection against unavoidable perils.

Typically small to mid-sized, low risk “main street” ventures are considered for this type of insurance. Different insurance companies have different eligibility guidelines, some may limit the number of employees, others will put limits on revenue or payroll. Some automatically include business income coverage, some require you to purchase this valuable coverage as an endorsement.

Retail stores, business, and medical offices, some classes of artisan contractors (electrical, painting, lawn care), small restaurants, various types of service providers may all be eligible -depending on the insurance company.

Typically small to mid-sized, low risk “main street” ventures are considered for this type of insurance. Different insurance companies have different eligibility guidelines, some may limit the number of employees, others will put limits on revenue or payroll. Some automatically include business income coverage, some require you to purchase this valuable coverage as an endorsement.

Retail stores, business, and medical offices, some classes of artisan contractors (electrical, painting, lawn care), small restaurants, various types of service providers may all be eligible -depending on the insurance company.