Q: sensible of going into business for myself doing property preservation. wondering if anyone knows what type of insurance id be in want of and how much it would cost me to secure the policy... thanks
A: Well, "mark preservation" is a neat catch phrase. It will have to be interpreted to mean something. Is that, "antiquated dealer" or "contractor"?
You'll likely need non-specific liability coverage. You *might* need/want property coverage. If you have employees, you'll distress workers comp.
You really need to sit down with a local, independent agent to chat about what you'll be doing, and have them assess your needs and get quotes for you.
mbrcatz | Feb 06, 2007
How does business insurance work in a lawsuit?
Apr 17, 2009 by ZeeZee | Posted in Insurance
Q: As a insignificant business, I'm finally getting around to looking at business insurance. God forbid I should get sued, but that would be the only reason I would get insurance at this point.
If I get sued (assuming I did nothing oppress that would terminate coverage), what are my responsibilities with regard to paying legal fees? What r will the insurance company play or what control will they have in the litigation process?
A: In the issue of a lawsuit the insurance company would undertake your defense and pay the associated legal fees as well as paying for authorized counsel. The insurance company has complete legal control in the litigation process, they pick out whether to settle or contest the issue in a court of law. In the real world it is rare that an insurance band would actually go to court. In most cases they would seek a settlement.
This of course assumes that the episode is covered by your policy. A lawsuit may contain several complaints. The insurance company is obligated to yield a defense for you if any of the claims could be covered, but the company may not be obligated to pay the damages for certain types of claims. Onus policies, for instance, typically do not provide coverage for damages which you cause intentionally.
Tom Z | Apr 18, 2009
What insurance coverage is critical for a business that has little to no customer traffic?
Oct 06, 2009 by just making it happen | Posted in Small Business
Q: When a business does most of its trade online or in the clients location, what business insurance plans apply? Is liability insurance necessary for the backup even if clients rarely come to the office?
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