Public Liability Insurance Guide

Quick Guide to Obtaining Your Public Liability Insurance Quote

2009-06-17T14:11:00.000-07:00

You can find out about different public liability insurance quotes by inquiring to each insurance company individually. You can meet representatives from different insurance companies to find about their public liability insurance quotes and coverage. You can also meet independent representatives who can provide public liability insurance quotes of various insurers. This representative will be able to provide you with all the information you need regarding different insurers so that you can compare them before deciding on any particular public liability insurance company you want to purchase from.

The quickest and easiest way is to request a public liability insurance quote online using various websites. Once you request a quote, insurance companies will send you detailed quotes pertaining to your particular business. You can then choose one public liability insurance quote that you like and the company will follow-up with you.

Why You Also Need Employer Liability Insurance

2009-06-17T09:08:00.000-07:00

The beauty of employers liability insurance is that it protects both you (the employer) and your worker (the employee). It is truly a win-win scenario. If the employee becomes ill, suffers an injury, or dies, your employers liability insurance will cover the associated costs of the claim. All businesses are required to purchase employers liability insurance to protect their employees.

However, there are some instances that exempt you from purchasing employers liability insurance. If you have no employees outside of your immediate family, or you are the sole employee of the company, you do not have to purchase the insurance.

External Resources:
Employers Liability Insurance Quotes
Liability Insurance Premiums Guide

Does My Business Need Public Liability Insurance?

2009-06-16T15:00:00.000-07:00

Public liability insurance is a particular type of insurance for businesses. This insurance covers injuries and/or damages to property or person sustained on your business premises.

Over the next couple of posts, I'll be covering specific aspects of this specific insurance and how it can protect your personal and business assets from legal liabilities. Let's be honest, we live in a very litigious society, and you can lose your business assets with one small lawsuit.

Do I even need this insurance?

I know, you don't need to add another expense to your business. It eats into your profits and can make it hard to re-invest your hard earned revenue back into the business and grow it.

However, you should strongly consider getting it if your business interacts with the public. This includes clients, customers, and the generally public visiting your premises in order to do business. Small business owners that work out of their house should really look into getting public liability insurance. If you were to get sued, you would not only lose your office, but the house you live in.

If you operate a web-based or virtual company that does not interact with the public at all, you do not need to worry about getting public liability insurance. However, if you interact with anyone other your employees, it's in your best interest to protect your assets with public liability insurance.