Benefits of a Comprehensive Liability Insurance

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In every profession, there are ways to set yourself apart from the rest. These skills may not be job requirements, but they go a long way towards helping you succeed. For example, advanced arithmetic might not be necessary to work in a supermarket, but it certainly wouldn’t hurt!

The same can be said for comprehensive liability insurance in Fort Myers and Clewiston, Southwest Florida. Although it’s generally not a legal requirement, it can go a long way towards setting you apart from your competition. Below are some examples of how liability insurance can help your business, offering more than cover alone. 

Liability insurance protects your business.

A good example of this is for a taxi firm. If you are a taxi driver, you are responsible not only for the safety of yourself and your passenger, but also for that of the general public. For a taxi firm, liability insurance is just important as taxi insurance; however, they are separate items – you don’t automatically get public liability insurance when you get taxi insurance.

An illustration of the necessity of liability insurance would be when you take a passenger from home to work. From the moment that person gets in your taxi to when they have reached work’s threshold, you are responsible for their safety. If they were to be involved in an accident when crossing the road, you would be liable for that accident. Comprehensive liability insurance protects you and your business from any unforeseen circumstances or accidents involving passengers and the general public.

It can stop your business from going under.

There is no way of knowing when an accident will happen, no matter how small or low-risk your business may be. It could be something as small as a loose piece of carpet which could cause a customer or client to fall over and be injured.

If this happens, the injured party could make a compensation claim. If this is the case, then you will need to get legal advice to help you defend your case; this could be costly. Even if you are successful in the case, it could cost your business thousands of pounds in legal fees which, for small businesses, could be catastrophic financially.

Having liability insurance in Southwest Florida from John Perry Insurance will ensure that your business is completely covered if anything like this happens. A liability insurance will cover all of the legal fees, repair of damage, loss of earnings, and any other inconvenience caused.

Ideally, every profession where workers have to encounter the general public should have liability insurance in Fort Myers and Clewiston to insure that, if any accidents were to happen, your business would be able to cover anything that the claimant is requesting.

John Perry Insurance Agency understands that mistakes can happen. We are here to help you create a professional liability policy that keeps your day to day operations protected should your business be held legally liable. Get a quote! Contact a John Perry Insurance agent today to prevent mistakes and errors from becoming major losses for your business. Call 863-777-4966.