Personal Liability Insurance
personal liability insurance
What does personal liability cover for a homeowners insurance policy?
I’m self employed (gardening business) and have 4 employees and I have lots of customers. I’m getting a homeowners policy but I’m wondering if I should get 300K or 500K personal liability coverage. Will this coverage also cover me if someone or my customers tries to sue me? For example, I heard if my kid was at the park and if something did happen and he injured someone personal liability should cover it. So would it also cover my business if anyone sues me? Someone recommended a umbrella policy but what is that exactly and what does it cover? How much would it cost?Because I won’t have a lot of income left after my two mortgage payments and miscellaneous expenses (including business expenses). thank you in advance.
Your HO insurer will cover personal liability issues and lawsuits resulting from your ownership of a home. Business related activities are specifically excluded (some policies have an endorsement for incidental business use IE a customer drops off a check at your house). Your kid at the park should be covered (varies by state and policy..civil law stuff)
If you have a business with four employees, you should have a business GL(general liability) policy that covers a gardening business. This will defend you if your customers sue you for something you or your employees did related to gardening.
Umbrella policies vary by company; some are extensions of existing underlying coverage, others offer coverage beyond your HO and auto insurance; either way they will not cover your business.
My recommendation: get a business GL policy to cover your business and take the 500K limit on your HO policy. Later when money is not so tight, get a personnal umbrella.
Choosing & Becoming a Personal Trainer : Personal Trainer Liability Insurance
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Buy Business Liability Insurance
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Contractor Public Liability Insurance
As a contractor you’ll spend most of your time working on a clients premises and come into direct contact with their employees or customers. Have you ever thought what would happen if you accidentally damaged their property or injured one of their employees?Â
In today’s litigious age its all to common for people to take legal action if they believed they have suffered damages or financial loss as a result of your actions. To guard yourself against career threatening claims it makes all the sense in the world to carry Contractor liability insurance. For just a couple of pounds a week you can obtain up to £1 million public liability to protect your business  - so when you step inside a client premises you can concentrate on meeting client expectations without having to worry about unexpected incidents. (eg a member of staff tripping over a network cable you’re installing and injuring themselves).
At Coulson Pritchard Associates we offer comprehensive public liability cover for UK contractors from just £112 per annum. Underwritten by Royal Sun Alliance our policies cover the legal costs to help you defend a liability claim plus any compensation payments if it’s proven you have been negligent. (up to your policy limit.) Remember, public liability claims can be very expensive so its important to carry an adequate amount of cover.
Most clients or agencies require a minimum £1million cover in their terms of business with you, others like government departments require £2 million. We provide three levels of contractor public liability cover up to maximum £5 million, so whatever your coverage requirements we’re sure you’ll be able to find the right cover, at the right price, right here on our website.Â
To get a cheap public liability insurance quote for your business. Our online service makes it very easy to obtain cover in a few easy steps, including the ability to download policy documentation instantly. If you need assistance on what public liability coverage is right for you, why not call our customer service team on 01480 470220 or email info@coulsonpritchard.com
You’ve made a huge investment to establish your own contractor business…don’t let unexpected incidents wash it away. Buy public liability insurance for a more secure future.
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Resource:-
http://www.coulsonpritchard.com/
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Dingell to discuss health care reform Friday at Oakwood in Taylor
DEARBORN — Congressman John D. Dingell (D-MI15) will be meeting with Michigan residents, many who have been displaced from their jobs due to the current economic downturn, from 10:30 a.m. to noon Friday at Oakwood Heritage Hospital, 10000 Telegraph Road in Taylor, to discuss Oakwood’s current health care system, what Oakwood is doing to help vulnerable Americans in need of care, and what new …
Personal Liability Insurance Quote
personal liability insurance quote
News Analysis: Cell Phone Health Hazards: Better Safe Than Sorry
As of June 2009, there were an estimated 4.3 billion cell phone (mobile phones) users worldwide.In the United States, it is estimated that more than fifty percent of children own their own personal cell phones.A growing body of scientific evidence shows that there are significant health hazards to their use, including brain tumors; damage to DNA, an undisputed cause of cancer; blood-brain …
Progressive Automotive X PRIZE Press Event – Part 1 of 3
Auto Insurance BS?
All i want and need is the basic required by FL law – Personal injury protection – 10k and Property damage liability. The fact that i have no previous insurance and an accident on my record i did receive a high quote (from Progressive), which was $850! Ok, fine…….but because i only want the basic coverage….my car is an ’02 Kia, they dont let me have that broken down to payments, i have to pay that in full every 6 months! They said is to encourage people not to only have that simple coverage. What BS! Are all insurance companies like that? Because i really dont have 850 just laying in my account as spare money…=/
No not all insurance companies STINK like progressive…. and I answered your other question and I will answer this question with my same response!!!
Well that’s just silly! BUT that’s progressive for you!!
Call another company for an auto quote!!!! The last thing you want is to have your insurance lapse because they won’t allow payment plan arrangements.
Maybe you could even find better insurance for less premium!
There are other companies who are more accommodating with payment plans and special claim handling service (rated better in expert claim handling and customer service) than progressive. Progressive is pretty much good for high risk drivers.
SOOO before you let this time sensitive matter go to long, call another insurance company and get an active policy with them just cancel your progressive policy (THEN you will see that they will try to do anything to save ya!)
BEFORE YOU GET TOO FRUSTRATED CALL ANOTHER INSURANCE COMPANY OTHER THAN PROGRESSIVE FOR A QUOTE!
GOOD LUCK! And Don’t STRESS! 
Try to be calm and call around for quotes!
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