Businesses may incur various forms of liability in conducting their normal activities. One of the most common types is product liability, which may be incurred when a customer suffers harm from using the business product. Liability insurance also provides protection in case someone gets hurt using your services or falls down the stairs. There are many other types of liability, which are frequently related to specific industries.

Comprehensive general liability coverage insures a business also against accidents and injury that might happen on its premises.  It will protect you from payments for bodily injury or property damage to a third party, for medical expenses accruing to the underlying incident, for the cost of defending lawsuits including investigations and settlements, and for any bonds or judgments required during an appeal procedure.

No matter how diligently you remove all possible hazards from your business, you could be sued successfully for accidents resulting from simply the carelessness of a customer. General liability insurance is your last line of defense against devastating claims for things over which you may have little or no control.   Liability law is constantly changing.  An analysis of your liability insurance needs by a competent professional is vital in determining an adequate and appropriate level of protection for your business.

How much liability coverage do you need? Generally, experts say, $2 million to $3 million of liability insurance should be plenty. The good news is that liability insurance isn’t priced on a dollar-for-dollar basis, so twice the coverage shouldn't be twice the price.   The price you pay for coverage depends on the size of your business (measured either by square footage or by payroll) and the specific risks involved.

Limitations will be akin to those on your personal auto policy; for example $100,000 per person and $300,000 per accident.

Exclusions

One item of note with general liability insurance is that it tends to have a lot of exclusions. Be sure to make sure you understand exactly what your policy does and doesn't cover.   You may want to purchase additional liability policies to cover specific concerns.  For example, many consultants purchase errors and omissions liability which protects them in case they are sued for damages resulting from a mistake in their work.

Companies with a board of directors may also want to consider directors and officers liability (D&O). This type of insurance protects top executives against personal financial responsibility due to actions taken by the company.

General Information:
 
1.  *First Name:  
2.  *Last Name:  
3.  *Phone:  
4.  *Email:  
5.  Address:  
6.  Address:  
7.  City:  
8.  *State:  
9.  *Zip Code:  
9.  County:  
We'll begin by asking for a little information about you. Your answers to the following questions will enable us to determine whether long term care is a wise choice for your present and future insurance needs.
1) Description of the business:
2) Type of entity:
3) Please indicate the state in which your business is located:
4) Date of incorporation/registration:
MM/YY
5) Please indicate your total number of full-time employees:
(If Sole Proprietor enter 1)
6) Please indicate your total number of part-time employees:
(If none please enter 0)
7) Please indicate your total annual revenue:
8) Do you currently have business insurance: Yes No
9) If Insured, select current carrier:
10) If not listed, please give company name:
11) How long, in years, have you had coverage with this company?
12) How long, in years, have you continuously had coverage without a lapse in coverage?
13) If you do not have coverage please indicate when you would like a policy to go into effect:
14) Business address:
15) City:
16) State:
17) Zip Code:
18) Do you own or lease the location? Lease Own
19) Year built:
20) Number of stories in the building:
21) Which floor do you occupy:
22) Number of sq ft occupied
23) Construction type:
24) Does your suite have sprinklers: Yes No
25) Type of parking available:
26) Are there day care facilities: Yes No
27) Outside cleaning services: Yes No
28) Is there a pool? Yes No
29) Is the pool fenced? Yes No
30) Does the building have security? Yes No
31) Type of security:
32) Is your office located within 1000 ft of a fire hydrant? Yes No
33) Hours of operation
TO
34) Do you work weekends? Yes No
35) Please list any scheduled personal property items or collectibles for which you need additional coverage. Please indicate the type and amount, for example, 'Computers $25,000.'
Description:   Amount ($):
Description:   Amount ($):
Description:   Amount ($):
Description:   Amount ($):
Description:   Amount ($):
Description:   Amount ($):
Description:   Amount ($):
 
36) Liability Amount:
37) Deductible:
38) Please check off any additional coverage's/riders you want your policy to include.
Errors And Omissions
Professional Liability
Surety Bonds
Fidelity Bonds
Fire Insurance
Miscellaneous Professional Liability
 		 Umbrella
Sexual Harassment
Weather Insurance
Workers' Compensation
Directors and Officers Liability
 		 Employee Dishonesty
Product Liability Insurance
Business Interruption Insurance
Inland Marine Insurance
General Liability
 
39) In the past five years have you reported any losses for the property? Yes No
40) If you have, were those claims:
Please complete the questionnaire, and we'll begin our search for the most suitable insurance policy for your business.
41) Best Time To Contact:
42) Additional Comments:
Please provide any additional information you feel is pertinent to the insurance coverage you need.

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