Constrcution Insurance

Liability Insurance

Liability insurance provides critical coverage for anyone who may be held liable for injuries to others or damage to someone else’s property where the insured party is considered at fault. It’s essential for business owners, product manufacturers, restaurants, and anyone with legal responsibilities that could lead to lawsuits.

How Liability Insurance Works

As a business owner, you owe a “duty of care” to provide a safe environment for customers, visitors, and employees. This means taking reasonable precautions to prevent accidents and complying with safety regulations. Liability insurance can protect against claims related to property damage, injuries, and other liabilities that arise during business operations.

Types of Businesses Covered

We can help arrange the right professional liability protection for many professions, including but not limited to:

• Lawyers
• Accountants
• Insurance Agents & Brokers
• Architects, Engineers & Design Consultants
• Real Estate/Property Managers
• IT Consultants
• Beauticians & Salon Services
• Personal Trainers
• Security Companies
• Landscapers

Public Liability and Employers Liability

Public & Products Liability Insurance

This coverage protects against liability at law to third parties for damages, legal fees, and expenses due to accidental injury or property damage occurring at your place of business. The policy can also be extended to include Products Liability, which is important for businesses offering products like restaurants or manufacturers.

Employer’s Liability

This insurance covers your legal liability for injuries or accidents suffered by employees while they are at work. It ensures that your business is protected from compensation claims and legal costs associated with workplace accidents.

Professional Indemnity Insurance

This policy is vital for professionals who provide advice or services to clients. It covers legal costs and expenses arising from negligence, errors, omissions, or other failures in the provision of services. Professions that benefit from this coverage include:

• Consultants
• Lawyers
• Accountants
• Engineers
• Financial Advisors

It protects against claims for defamation, breach of confidence, copyright infringement, and more.

Directors & Officers Insurance

Directors & Officers Insurance protects against legal claims resulting from negligent acts or omissions committed by company directors or officers. It covers legal expenses and compensation, excluding fraud or malicious conduct.

Medical Malpractice Coverage

Medical Malpractice Insurance is a form of Professional Liability Insurance for healthcare professionals. It covers lawsuits for negligence in patient care and can fill gaps not covered by employer-provided insurance. Those who need this coverage include:

• Physicians & Surgeons
• Anesthesiologists
• Nurses
• Pharmacists
• Dentists
• Family Counselors
• Chiropractors

This coverage provides legal defense and settlement costs to protect healthcare professionals from the financial consequences of a malpractice lawsuit.

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This information provides a general overview of the types of coverage available. For more specific details and policy terms, please consult with one of our authorized insurance representatives and review your insurance contract.