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Wednesday, June 27 2012

 

Commercial Package & Business Owners Policies:

Both policies include Property insurance for buildings and contents owned by the business owner and Liability protection from claims by the general public.

Workers’ Compensation:

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.

Property Insurance:

Property insurance covers the buildings that you own and/or the business property and inventory against physical loss or damage.

General Liability:

Liability insurance is designed to protect the business against losses even if they are negligent or liable for damage, injury or loss to another’s property, reputation, or health.

Commercial Auto:

Commercial auto liability and physical damage coverages provide protection for claims arising out of the operation of any autos used in connection with your business.

Professional Liability - Errors & Omissions –

Another name for malpractice insurance which gives physicians, attorneys, engineers, architects, accountants, real estate agents and other professionals coverage for claims by patients and clients for alleged professional errors and omissions which amount to negligence.

Directors & Officers -

Coverage when a director or officer of a company commits a negligent act or omission, a misstatement or misleading statement, and a libel suit is brought against the company as a result.

Builders Risk -

Insurance against loss resulting from damage to buildings and to materials incidental to construction, including machinery and equipment, while the buildings are under construction.

Umbrella -

Liability insurance that protects the assets and future income of the policyholder above and beyond the standard limits set on their primary policies.

Employee Practices Liability -

Provides broad insurance protection from such employment-related claims and lawsuits brought against a company, its managers and employees, and its directors and officers. (i.e., sexual harassment, wrongful termination, discrimination, etc.)
Posted by: AT 03:27 pm   |  Permalink   |  Email
Monday, June 04 2012
DOES YOUR INSURANCE PROTECT YOU FROM THE FOLLOWING LOSSES?

HERE ARE SOME REAL LIFE CLAIMS AGAINST BUSINESSES:

$600,000 AGE DISCRIMINATION PAYMENT BY A RETAIL BUSINESS for laying off an employee over 40 years of age.

$475,000 GENDER DISCRIMINATION SETTLEMENT BY A CONTRACTOR for not hiring a female applicant for a job opening.

$150,000 WRONGFUL TERMINATION PAYMENT BY A MEDICAL OFFICE for terminating a non-performing employee.

$435,000 ETHNIC DISCRIMINATION PAYMENT BY A HOTEL to minority employees alleging lower pay for performing the same work.

$190,000 SEXUAL HARRASSMENT PENALTY PAYMENT BY A FAMILY OWNED RESTAURANT for alleged sexual harassment of a female employee by a manager.

There are many more similar cases in California which have caused a great deal of financial hardship, and even bankruptcy to many businesses such as yours.

YOUR STANDARD LIABILITY AND WORK COMP POLICIES DO NOT COVER THESE TYPES OF CLAIMS WHICH ARE REFERRRED TO AS EMPLOYMENT PRACTICES LIABILITY. 

WE CAN PROTECT YOUR BUSINESS AGAINST THESE DISASTERS FOR AS LITTLE AS $750 A YEAR, OR EVEN LESS IF QUOTED WITH YOUR REGULAR LIABILITY POLICY.

FREE NO OBLIGATION QUOTES!  CONTACT US TODAY!

DON’T LEAVE YOUR BUSINESS AND ASSETS WHICH YOU HAVE WORKED SO HARD TO ACQUIRE UNPROTECTED. ACT NOW! 

CALL US AT 866-369-4584

You can also email us at info@nickieheath.com

Posted by: AT 03:28 pm   |  Permalink   |  Email
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