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Every Small Business Owner Needs Public Liability Insurance

Article by Paul Delaney









If you own a business and have the public or customers coming onto your premises, or if you visit their premises, you should consider taking out public liability insurance. PL insurance will cover any monetary awards to a member of the public due to injures sustained or damage to their property that was cause by your or your business.

This type of insurance also has you covered for any possible legal fees that may arise. It will also take care of costs and expenses due to hospital and/or medical treatment that someone claims you owe.

If you own a business and someone who is visiting your establishment is accidentally injured, you will surely want insurance to cover any costs involved. PL insurance is designed to take care of this type of situation and it also will cover you if you should happen to damage someone else’s property by mistake, while you were carrying out business. For example, if you own a pet store and a customer comes in to pick up some dog supplies and happens to fall inside your store because a floor tile was loose, public liability insurance will cover your business if the customer decides to make a claim for the injuries he sustained while in your store.

As another example: Imagine for a minute that you are a self-employed plumber. While you are at a customer’s site, you trip and drop your toolbox on top of an expensive computer, damaging it beyond repair. Your public liability coverage has you covered in case the client wishes for you to replace the expensive computer.Small business owners in the UK who do not take out proper public liability coverage are operating in a danger zone. It is far better to have too much coverage than not enough. Accidents happen and they occur on a regular basis each and every day, regardless of how careful we may be or of how many precautions are taken. The amount of public liability coverage you need will depend on the nature and size of your business. It is best to get several quotes from various insurance carriers to look at all of the options available to you.

There are many websites that you can use to compare public liability insurance policies. Many of these sites are comprised of online forms that ask you a variety of questions such as the size and nature of your business. You simply follow the steps and provide the info asked and you will then be presented with a list of quotes from which you may choose a policy that is well suited to meet your business needs. You want to be very sure that you get enough coverage because you certainly do not want to be put in a situation where you are forced to pay someone far more money in compensation than what your policy covers.

When in doubt, be sure to consult with an expert. Public liability insurance is designed to allow you to operate your business knowing that you are protected from unexpected mishaps. It is there for you so be sure to choose a plan that fits your business model.



About the Author

For more information about Public Liability Insurance visit Flint Insurance for an online quote today!Distributed by Content Crooner










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What Every Business Should Know About Commercial Building Insurance

Article by Laura Bacho, CPCU









Commercial building insurance is insurance designed for businesses which own or rent a building. Coverage can be obtained for buildings intended for commercial use or apartment buildings or commercial condominiums. All buildings face the possibility of damage from a number of causes such as fire, theft or natural disasters such as hurricane. The building insurance protects the business from having to bear the financial burden of such losses.

Commercial building insurance can be written as a stand alone policy which only covers the building or as part of a commercial package insurance policy which can offer additional coverage for business contents insurance and business liability insurance. Which type of insurance policy is written for a commercial building depends on the needs of the insured and the willingness of an insurer to offer additional insurance for contents or liability.

What Types of Losses are Insured in Commercial Building Insurance

Commercial property insurance is usually written on either an “all risk” policy form or a “named perils” coverage form. Most insurance brokers recommend the all risk policy because the coverage is more broad. Also called the “special form”, the all risks policy will cover all losses to a commercial building unless a specific cause of loss is excluded in the insurance contract. One common exclusion would be flood. There are other exclusions which are standard and others which may be excluded by a policy change imposed by the insurance company.

The named perils form only provides coverage for causes of loss which are specifically named in the policy. Standard insured causes of loss are fire, lightning, explosion, and collapse (with some conditions). The named peril policy is broad enough for most commercial buildings; nevertheless, the coverage is limited. As a result, it is not recommended unless the all risks form is unavailable to the commercial building owner for some reason.

Does Commercial Building Insurance Cover Business Contents?

Even landlord businesses have some personal property. Business contents or business personal property are assets of the business as well. It is recommended that a business to insure business contents in conjunction with the building with the all risks form, if possible.

Does Commercial Building Insurance cover Business Liability?

It is highly recommended that commercial building owners carry commercial liability insurance. Without liability insurance, a business would have no protection or defense cost reimbursement if the business was sued for something that happened at the building. There are benefits from a premium standpoint to get the liability insurance issued in conjunction with the property insurance. Called the “package discount”, the premiums for both policies might be lower than having separate policies.

The cost of insurance is a fraction of the cost of replacing or repairing a business building alone. Protecting real assets and tangible property from loss should be a primary goal of all business owners. Premiums for commercial building insurance run the gamut; so business owners should be careful to get a number of quotes at least 90 days ahead of the renewal date. With this information in hand, getting a great rate on great commercial building insurance can be one less thing for a business owner to worry about.



About the Author

Commercial Building Insurance is essential for most businesses. Visit The Coverage Geek to learn what questions to ask your agent and what to demand. Take back control of your commercial insurance program.










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Why are the liability insurance policies required for every person

Article by Sam Jensen









There are many various insurance policies, which are provided by the insurance companies in present days. Some of them are required others depend on other needs. The liability insurance method is one of the required insurance policies, because it provides coverage for individuals or business and it provides protection against lawsuits in each situation of negligence, injury or malpractice. If someone is injured on our property and if the same person wants to take money from our pocket, and if we are liability policy holder it will provide coverage for us and will cover the costs. The liability insurance method is vital for each business owners and for the people, which own some property. We can be sued by someone, which is sustained or injured by anything, which is our property, and that can cause financial ruin for us. With the liability insurance method we will be more secured and not so worried.

The commercial property, product and general business liability are common products of the business insurance. The general liability is a policy, which provides coverage for the business owners and the legal hassles from negligence, injuries or accidents. The product liability insurance policy is helpful for manufactures or others, which are included in the distribution channel or if they distribute some products. This insurance method will protect us against any lawsuits from some injuries, which are caused by our product. The commercial property liability insurance method provides coverage to damage or third-party injuries, which are caused on our business property.

The professional liability insurance is often known as omissions and errors insurance, and it is a specific type of any kind of business insurance method, which provides coverage for the service providers. Each independent worker or business owner, which is delivering services, must purchase this liability insurance method. It will protect us for negligence, errors and malpractice during the delivery of our services. In many areas the various professionals are required to purchase professional insurance policies. For example the physicians in the most states are required to purchase professional insurance policies.

The liability protection is important and each household and every single homeowner. Our home insurance liability will cover us for lawsuits, which are result from someone is being experience or injured property damage, while it was on our property. The home liability policies are providing coverage for the medical payments, which we are required to pay if someone is injured on our property. That shows how much important and well-settled the insurance methods in present days are and why we are required to purchase them.

We can even purchase bundles, which are including liability insurance policies with protections for our property and business. These bundles are provided by many insurance companies in present days, and they are one helpful method for getting cheaper liability insurance policies.

The Danes have a very interesting word for liability insurance and it is lovpligtig ansvarsforsikring. If you would like to buy one, visit this Danish website where you will find the best prices. To read all about professional and general liability policies and the differences between the two types, click here.



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