General Liability and Workers Comp Insurance

Lets talk the basics. When you own a business you have to cover alot of areas, yourself, the business, and your employees.  This is why every business large or small needs General Liability and Workers Comp Insurance.  Covering your assets is important. As a small business we know what you need.  We’re appointed with a number of carriers.  We search far and wide for the right policy at the right price.

General Liability Insurance is an overall policy that protects your business. It covers liability or bodily injury claims that happen on the premises. It also includes operations, products, and advertising that occur on premises.  If you hire contractors you should also ask them if they carry General Liability Insurance.  Ask them to add you as an Additional Insured.

General Liability Insurance covers your business in case of:

• accidents or injuries
• any liability that require medical expenses
• damage from anything sold on location
• lawsuit (including attorney’s fees, court costs and defense)
• fire
• theft and burglary
• vandalism

Workers Comp Insurance makes sure that in the event one of your employees has an accident that you are covered.  In the state of NC you must have Workers Comp Insurance if you have 3 or more employees.  Workers Comp Insurance offers peace of mind.

Workers Comp Insurance pays for:

• hospital and medical costs
• disability payments
• funeral costs
• rehabilitation
• retraining

For more information on Business Insurance guidelines check out this Consumer Guide

Protect your business..  Ask about different types of insurance for your and your staff.  Let us customize a plan that fits your exact situation.  A little planning today could save alot of time in the future.  We are here to help.