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No matter how much you plan and try to protect yourself and your business, a variety of accidents and situations can arise that can cause damages. Whether an accident causes bodily injury to an employee, client or anybody else related to your company or if there’s property damage, you could end up paying dearly. To protect yourself from these types of situations, it’s necessary for you to have liability insurance in Denver, CO. There are a couple of different liability insurance options you should be aware of before making a choice.
The most comprehensive type of liability insurance in Indianapolis, IN, for small businesses and contractors is general liability insurance. Real estate agents, consulting firms, marketing companies and more often opt for this coverage since it covers a wide variety of events. This insurance covers physical injury, property damage and defense costs. Personal and advertising injury is also covered, which protects you in case you’re sued for slander and libel. When you have liability, medical payments are also covered. If an accident occurs on your property or is connected to your business, medical expenses kick in regardless of fault.
Professional liability insurance (PLI) is the go-to option for doctors, lawyers, cosmetologists and salon owners, business consultants, photographers, personal trainers, career coaches and more. Also known as errors and omissions insurance, this type of liability insurance in Denver, CO, protects your business in the case of a client suffering harm related to the professional advice or services that you provide. PLI covers personal injury, negligence and copyright infringement. With professional liability, you can be protected for both the current services you have provided as well as past services during a set time period. Since this insurance is required in certain professions, contact us to see what’s right for you.