Professional   Liability
Liability Insurance


Liability insurance is designed to protect the business against losses even if they
are negligent or liable for damage, injury or loss to another's property, reputation,
or health. Typically, damages, legal defense fees and settlement charges are paid
by the insuring company when a claim is filed against the business.

Bodily Injury - Liability coverage may pay the affected person or firm for the cost of
care, the loss of services and restitution for death that results from an injury.

Property Damage - In the event your business causes damage to, or causes the
loss of use of someone else's property, property damage coverage may pay for
the value of the physical damage to the property; or the loss of use of that
property.
Products and Completed Operations

A policy may provide coverage for your company's completed products or
services. If an injury occurs due to the use of your products or services provided,
the policy would pay for the resulting damages and any legal expenses up to the
policy limits.

Contractual Liability
General Liability coverage extends to any liability you may assume by entering into
a variety of different types of contracts such as a building lease.

Liquor Liability
If you're not in the business of manufacturing, distributing, selling, serving or
furnishing alcoholic beverages, the policy may protect you in case someone
claims you are legally liable for a liquor-related accident.

Hired Auto & Non-Owned Auto
Hired Auto & Non-Owned Auto coverage if requested is typically added as an
endorsement on a policy. If their are no vehicles owned by the company this
coverage will meet the contract requirement for Commercial Auto coverage.




Hired Auto coverage replaces or augments the liability coverage offered by auto
rental agencies for example

Non-Owned Auto coverage protects your company in the event that your company
is sued as a result of an auto accident that you or one of your employees has in a
personal vehicle while on company business.

Medical Payments
If someone is injured by you or at your business site, the policy may pay for
medical and funeral expenses incurred, up to policy limits, within one year of the
accident . For example, if a customer tripped and fell on your premises and had to
be hospitalized.















Personal Injury
Most General Liability policies provide coverage if you are accused of:

Publishing inaccurate information that slanders or libels a person or organization;
Publishing material that violates a person's right of privacy;
Falsely arresting, detaining or imprisoning someone;
Maliciously prosecuting someone;
Wrongfully evicting someone.

Advertising Injury
In the course of advertising your company's own goods, products or services, this
policy will provide valuable liability protection against advertising injuries resulting
from:

Publishing inaccurate information that slanders or libels a person or organization;
Publishing material that violates a person's right of privacy;
Copying some other company's advertising ideas or style of doing business;
Infringing on another company's copyright, title or slogan.
Copyright Jimricetotalinsuranceinc, 2012 All rights reserved
Jim Rice TOTAL Insurance, Inc.
816-630-7423