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Pam Pate Insurance Services
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Pam Pate Insurance Services
Contact Us
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Business Insurance in Springfield, MO

How business (liability) insurance works.

The general liability coverage of a business insurance policy outlines the maximum amount the insurance company will pay against a liability claim. For example, if your business gets sued for $250,000 for medical costs associated with an injury plus an additional $100,000 in legal fees, but your coverage amount is maxed at $300,000, then you would be responsible for paying the difference of $50,000.

Now, if you are on the higher end of the risk scale, and already have general liability insurance, you can also opt for excess insurance or business umbrella insurance that increases your coverage limits. This will cover you in situations in which you’re worried that your existing coverage won’t cover all your costs should someone file and win a claim against you.

Our agents have helped many businesses in the Springfield, MO and surrounding areas. Get in touch, we can help you too.
How do you pay for the policy?

Three options depending on your circumstances –
  1. Paid Up front – usually for new businesses, or businesses that don’t have strong financials.
  2. Monthly Installment (financed)
  3. Quarterly or twice a year payments (not necessarily financed, but because you have a history with the carrier they give you this payment plan)

Types of business insurance
  1. Bodily Injury
  2. Property Damage
  3. Harassment
  4. Discrimination
  5. Directors & Officers Liability
  6. Errors and Omissions (E&O)
  7. Advertising Injury
  8. Personal Injury
  9. Workers Compensation
  10. A comprehensive general liability insurance policy should help keep you in business with -
    1. Legal expenses
    2. Medical expenses
    3. Settlement expenses
  11. Our business insurance experts have helped many businesses in the Springfield, MO and surrounding areas. Get in touch, we can help you too.

U.S. States Available

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Pam Pate Insurance Services has other insurance programs like Auto Insurance in Springfield, MO.