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Sample Industries Served
Offices (Medical Practices, Dental Practices, Chiropractic, Med Spas, Optometrists and Opticians, Physical Therapists, Accounting Firms, Attorneys/Law Firms and more)
Retail (Restaurants, Floral Shops, Sign Shops, Bakeries, Appliance Stores, Furniture Stores, Printing Companies, Computer Repair, Beauty Salons, Barber Shops, Nail Salons)
Automobile Service/Repair Shops
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
If you have a Personal Umbrella Liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient commercial General Liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade1. 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.
Business General Liability policies can often be endorsed (i.e. modified) to add coverage for the Contents that are permanently at your business location also so be sure to ask when speaking to an agent. If you're a contractor Inalnd Marine coverage is also available to cover tools and equipment.
If you own a business that provides oil and lube service, mechanical and electrical repair, auto/truck maintenance services for private passenger cars, trucks and vans, or an auto body shop that provides general auto repair, glass installation, , tune-ups, emissions testing then you have a need for a Garage Liability policy.
Coverages that can be provided include Garagekeepers Legal Liability – Covers physical damage to a customer's vehicle left in your care on a direct primary or legal liability basis.
Mechanics Tools and Equipment – Optional coverage for employee tools, on and off premises.
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.
1 - Source : Fulbright & Jaworski LLP 2012 Litigation Trends Survey
Errors and Omissions Coverage for Tech Firms – Why consider Tech E&O coverage for your company?
J&A offers a total insurance solution for technology companies. The following claim scenarios provide several examples of “glitches” that can occur for technology companies and also provide the resulting claim/indemnity
expenses that you can face as a tech related business. More importantly, these scenarios emphasize the importance of ensuring that you are adequately protected through a third party professional liabilityproduct that addresses these exposures .
The scenarios summarized herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions, and exclusions of each individual policy. Please refer to the policy to determine all terms, conditions, exclusions and limitations of coverage. Coverage is provided by the property and casualty companies of The Hartford Financial Services Group,Inc. and may not be available in all states. All information and representations herein are as of February 2009.
Type of Claim: Errors and Omissions
Cause of Action: Negligence/Failure to Perform
Policy Type: FailSafe GIGA or FailSafe TERA offered through the Htfd.
Type of Tech Business: Software Company
A software company sells and installs a computerized fare system for a transportation authority. It also has the responsibility to regularly maintain and support the system. An overnight software upgrade results in erratic behavior of the fare system, including failure of the fare system equipment to operate. This failure results in fare system outages throughout the majority of stations that comprise the authority’s network. As a result of the system failure, many stations allow passengers transportation without proof of paying the fare.
The transit authority services thousands of passengers each day, and the event causes harm to the transit authority’s reputation. The transit authority sues the software company for negligence in the performance of services, specifying damages that include:
- Lost revenues
- Extra expenses associated with the need to pay for additional staff to manage the crisis, including overtime pay to personnel
- Lost revenues associated with reputational damages caused by the event
Resolution: Claim expenses: $25,000+ Indemnity: Settled for $300,000
Type of Claim: E&O
Policy Type: FailSafe GIGA or FailSafe TERA
Cause of Action: Negligence/Failure to Perform
Type of Insured: Software Developer
A software company manufactures and distributes workforce management software that allows third parties to track employee hours, overtime, vacation time and compiles information for payroll processing. The software company enters into an agreement to provide the software to a customer, including implementation, installation, customization, training and support services. Six months after installation, the customer is not happy with the performance of the software program, specifically alleging a functionality failure. The customer agrees to allow the software company a six-week period to cure the default. After this time period elapses without a satisfactory resolution, the customer terminates the contract due to negligence and failure of the product to perform as intended. Damage allegations were in excess of $700,000.
Resolution: Claim expenses: $50,000 Indemnity: Settled for $250,000
Type of Claim: Intellectual Property Infringement
Policy Type: FailSafe GIGA with Intellectual Property Coverage Endorsement or FailSafe TERA offered thru the Htfd.
Cause of Action: Copyright Infringement of Software Code
Type of Insured: Software Developer
A software development company builds and services enterprise infrastructure software tools used by other equipment manufacturers, as well as network and software companies. A competitor alleges that the software company’s products infringe upon the copyright of the competitor’s own products. The specific allegation is for copyright infringement of software code, and the alleged damages were in excess of $100 million.
Resolution: Claim expenses alone: in excess of $5 million
Type of Claim: Security Breach/Unauthorized Access
Policy Type: FailSafe GIGA with Security Coverage Endorsement or FailSafe TERA offered through the Htfd.
Cause of Action: Failure to Prevent Disclosure of Personally Identifiable Information
Type of Insured: Web Site Developer
While conducting maintenance on a customer Web site, a Web site development and maintenance company disables security elements to apply customer-requested modifications to the Web site. Upon completion of these modifications, the Web site is put back in service but the security elements are left disabled, and the secure sections of the Web site are accessible to the public. Three months later, the error is discovered and the customer alleges damages that include:
- Lost customers due to adverse publicity related to the failure to protect sensitive information contained in the secure section of the Web site
- Costs to notify affected parties of the possibility that their personal information was exposed to unauthorized individuals
- Credit monitoring expenses for individuals impacted by the possible disclosure of personal information
- Regulatory proceeding expenses, etc.
Resolution: Claim expenses: $85,000 Indemnity: $80,000
Source – the Htfd. Insurance Co.