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...Program designed for residential property owners operating in urban environmen...s in key metropolitan areas. Urban property owners face unique risks, from aging infr...

...ed for residential and mixed-use property owners in key New York City boroughs...e complex residential and mixed-use property accounts. Risk management service...

...prehensive General Liability and Property coverage in one simple policy. Now...

...and the estimated value of their property in the rental unit. It normally cove...cting factors – Estimated value of property/dwelling including improvement va...

...and the estimated value of their property in the rental unit. It normally cove...

...and the estimated value of their property in the rental unit. It normally cove...careful about insuring dangerous pet owners. To learn more from our experts i...

...and the estimated value of their property in the rental unit. It normally cove...careful about insuring dangerous pet owners. To learn more from our experts i...

...and the estimated value of their property in the rental unit. It normally cove...careful about insuring dangerous pet owners. To learn more from our experts i...

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 Tampa, FL and surrounding areas. Get in touch, we can help you too. The Claims Process If an incident occurs that may lead to a claim, you should notify your insurance company or agent immediately. Be prepared to explain what has happened in detail including the time, date, the names of any witnesses, and any other pertinent information. Not all claims will be accepted by the insurance company, however. As a business owner, you are required to file a claim with your insurance carrier. If you have used an agent in the process, then they will help you file the claim. Most business insurance companies allow you to file a claim over the phone and also offer up an online option. Regardless, there is quite a bit of paperwork and details involved, regardless of what the claim may be. The business is then assigned a claim adjuster, who will review the claim and determine if the claim is covered. They may require more paperwork and it may be weeks before you know if the claim is denied or accepted. If denied, you can appeal and submit more information. If accepted, they will give you explicit instructions on how you will get compensated, whether they will be assigning their own attorneys (as needed), or how they will reimburse your company based on the circumstances. To learn more from our experts in the Tampa, FL and surrounding areas, get in touch with us. Who needs business insurance? In a word – every business! If you are a white collar professional (consultant), or run a business, a contractor, or small business owner, you need some form of general liability protection to safeguard your business. A single accident could result in a costly lawsuit. A general liability insurance policy is a great way to protect your business. You want to make sure you have liability coverage that matches your level of exposure. Some employers or clients might require you to carry a certain amount of general liability before you can work for them. To learn more from our experts in the Tampa, FL and surrounding areas, get in touch with us.

...ty policies exclude coverage for property damage to your work. Damage to Your...ine both your general liability and property insurance (and possibly other cov...