BODILY INJURY - If someone trips over your bag while you are working with a client, you can face a lawsuit or be held responsible for the resulting medical expenses. General liability can cover both the lawsuit and the medical expenses that result.
PROPERTY DAMAGE - If you spill water on your client's computer, disabling the computer and causing important customer data to be lost, you can be held responsible for its replacement. General liability can cover you for the loss.
PERSONAL INJURY - If you are speaking with someone else in your industry about a client in a false or unflattering way, the client may find out and sue you for slander. General liability can cover the cost of the lawsuit and pay for the attorney to defend you.
During the course of your services, you may make a mistake or fail to reach an acceptable standard with your final product. This can lead to a financial loss for your client or cause harm that can lead to a lawsuit. Professional liability can cover the defense costs associated with the proceedings as well as the cost to resolve the issue.
For instance, if a photographer accidentally destroys the photos taken at a wedding before they are given to the client, the client may sue for not receiving what they had been promised. Professional liability can cover this type of claim.
If the property is stolen or lost in a fire, it can be covered by business personal property insurance.
For instance, a yoga teacher who brings speakers to play music during a class can be covered if those speakers were stolen.
Most states require that you notify all of your clients if you are hacked while holding their information. In this case, you can be covered for the cost of notifying all your clients.
I am pleased to take this opportunity to relate my experience with World Insurance Associates. After being referred to the company by a trusted friend; I had the pleasure of working with a very positive and responsive staff. My agent, Nilda Rodriguez, was especially helpful in getting me the best deal. As a result, I am more than satisfied with the insurance package I received. I highly recommend doing business with World Insurance.
I was very satisfied with the help I received from Walt Paytner, My insurance premiums kept climbing and I needed to search a better option since it was truly too high in my budgeting. I have a great record for driving and yet it was being penalized by Liberty Mutual. I was very satisfied with Travelers and getting the same coverage and even added road side assistance. It was a big difference in my auto and a reduction in my homeowners. P.S Walt was very helpful.
Excellent service and always helpful! I have used and continue to use World Insurance for all my insurance needs. They are customer oriented and always there to service you whenever you have a question or just need direction. Pricing is very competitive. Highly recommended!
Our experience was great. Your company was quick with a quote, and very accommodating, and priced