What is Bodily Liability Injury Coverage?
This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission. It is very important to carry enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money.
What does “Full Coverage” mean?
Full coverage generally means that your car insurance is providing coverage for both damage that you do to your vehicle and bodily injury and property damage you do to others. However, drivers can still not be involved in situations where they don’t have enough coverage to protect their assets. Our staff can provide information on how to prevent these types of situations.
Do I Need Uninsured and Underinsured Motorist Coverage?
Carrying uninsured and underinsured motorist coverage is very important. This coverage protects you and your passengers in the event that you are hurt by another driver that either doesn’t have car insurance or isn’t carrying enough insurance. Uninsured and underinsured motorist coverage not only helps pay for your medical bills, but will pay for lost wages if you are not able to immediately return to work.
What is an “Umbella” policy?
An “Umbrella” policy refers to a liability insurance policy that protects your assets and future income above and beyond the standard limits set on your Auto, Homeowners, Watercraft, Recreational Vehicles, and Rental Properties. In addition to providing additional liability coverage, Umbrella policies may also provide additional coverage that is excluded by your primary insurance policies.
Most carriers provide similar “Umbrella” policies, but it is important to check and see what is included and excluded in your policy.
What is Business Liability/ Commercial General Liability Insurance?
Commercial general liability insurance protects your business and related assets from allegations of bodily injury, property damage, and personal and advertising injury, arising from exposures related to your premises, operations, including the ownership, maintenance or use of “mobile equipment”, your products; your work, unless excluded by the policy.
What is Worker’s Compensation Insurance?
Worker’s compensation insurance provides two distinct coverages’.
- Worker’s Compensation Insurance
- The purpose of worker’s compensation is to provide benefits for those who suffer an occupational injury or disease.
- Employers Liability Insurance
- The purpose of employers liability insurance is to provide coverage for an employer when an injured employee’s employment is not covered under Workers Compensation Law.
- It is important to note that any business that does not carry Workers Compensation Insurance is guilty of a Class 6 Felony and the business may be shut down until Workers Compensation Insurance is secured.