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Commercial insurance helps protect a business from financial losses caused by unexpected events. It could mean a lawsuit, natural disaster, or an accident at a job site. The Bajorek Agency Inc. in Rochester, NY has the experience and knowledge to create a policy with liability coverage for bodily injuries, property damage, and potential work stoppages.
Add Liability Coverage to Your Policy
All commercial insurance policies will include liability coverage in the written agreement. It protects an owner from insurance claims after work-related injuries or personal property damage has occurred at a job site. Too often, new business owners fail to have the proper commercial insurance coverage, which forces them to pay massive settlements. The legal fees to resolve such disputes can be quite expensive. Adding liability coverage to your policy will help contest such lawsuits without jeopardizing the future of your business.
What Level of Liability Coverage is Needed
There are different levels of liability coverage for each business type. An owner must evaluate their commercial insurance needs by determining the level of risk at their job site. Often, the answer is the workplace dynamics associated with completing a task or service.
Commercial General Liability vs Professional Liability Coverage
The difference between commercial general liability and professional liability coverage is the risks associated with your business.
Most insurance agents define commercial general liability as covering all physical risks found at a job site. They can include work-related injuries and personal property damages. It has become the universal coverage choice for most businesses. However, most owners fear commercial general liability does not cover every potential job-site risk.
Professional liability coverage protects a business from workplace errors that occur. It is the perfect addition to a standard commercial insurance policy for businesses susceptible to malpractice, negligence, or product error lawsuits. Professional liability coverage protects businesses that provide personal services to the masses.
Schedule A Consultation Today
If you need further information on commercial insurance for your business, contact the Bajorek Agency Inc. in Rochester, NY. Our staff has the experience and knowledge to create a policy that meets our client’s insurance needs. Call and schedule an appointment today.