Every business needs to protect themselves from accidents or injuries that may occur on their business grounds. General Liability insurance coverage can protect your Georgia business from these unexpected expenses.
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There are many different plans and options when choosing a General Liability plan, and our experienced agents at Witcher Brokers Insurance Agency can assist you in finding the right plan at the right budget. If you have the right liability insurance plan in place, you can be protected if you face a lawsuit. Certain Georgia businesses face more risk of accidents or injuries, so doing an analysis of your business can help in finding the best General Liability plan that fits your needs.
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At the Witcher Brokers Insurance Agency we pride ourselves in evaluating your business insurance needs. We take the time to find out the different challenges your industry may have for insurance concerns and tailor a package that fits your risks. We also look at other exposures your business may have according to your personnel, location and future.
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Our top-rated companies work with local businesses as well as global providers to ensure even the worst disaster will not affect your business adversely.
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Georgia General Liability insurance, along with your property and work comp policies, protects your business if you are sued for personal injury or property damage. A typical policy will cover those accidents or damages that occur on-site or as a result of using goods or services sold by the company. In addition, policies can be designed to cover additional costs like attorney fees or court costs.
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Our agents can assist you in considering all aspects of your General Liability insurance package to give you the most appropriate policy available. We will help you customize a specific plan that works for businesses in the Georgia area.
Here are some additional lines of insurance that we service:
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Builders Risk
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Cyber Protection
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Flood
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Error & Ommissions
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General Liability
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Broad Range of General Liability Protection
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Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
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Property Damage coverage for the physical damage to property of others or the loss of use of that property
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Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided
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Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
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Contractual Liability extends to any liability you may assume by entering into a variety of contracts
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Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitiation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
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Contact Witcher Brokers Insurance Agency today to speak with one of our trusted agents about your Georgia General Liability insurance and answer any questions you may have and provide you with a General Liability quote.