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Home > Blog > Understanding Three Common Liability Insurance Claims
WEDNESDAY, APRIL 21, 2021

Understanding Three Common Liability Insurance Claims

As a business owner, you must be responsive to your customers’ needs and wants. This means not only delivering on your promises, but also doing so safely and effectively. If something were to go wrong in the course of your customer interactions, then you must be able to take responsibility for them. The liability insurance you carry in your commercial insurance portfolio will help you meet this challenge.a close up of a sign 

There are countless liability risks present in every business, though some are more common than others. Let’s take a closer look at some of the most frequent and costly liability claims that might threaten your business at any time. You must ensure that you have appropriate benefits in place to help you address these challenges, all the same. 

Danger One: Customer Slip and Fall Injuries  

One of the most common triggers of a customer lawsuit is a slip-and-fall accident. This might arise after a customer falls in your business and sustains an injury of some sort. They might sue you to cover their medical bills, lost income and other losses. The costs of fighting and settling these claims, therefore, can be exceptional. Even if the claim has no merit in court, the costs of fighting back might be reduced substantially by making a claim on your liability plan.  

Danger Two: Product Liability Claims  

Any business that makes a product needs this coverage, and it’s often included as part of most general liability policies. It addresses the fact that sometimes these products might have undetected flaws that could cause someone harm. At this point, a product liability policy will offer the terms that will allow the business to those affected by these challenges.  

Danger Three: Personal Harm  


You seek to have professional, mutually beneficial interactions with all of your customers, competitors, vendors and other parties. However, you can cause them harm in more than just physical ways. Sometimes, they might feel that you libeled or slandered them, caused a copyright infringement or engaged in false advertising. At this time, their lawsuits might prove astronomically expensive, and you have to be able to address the claim.  

When securing your business, it is important to be prepared for anything. Still, while you can do a lot to minimize the risks of third-party harm occurring, you cannot eliminate them altogether. Therefore, you must purchase a liability insurance portfolio will help you comprehensively blanket yourself in benefits.   

As the provider of services to others, you have to realize that the customer comes first, and if something were to go wrong, it would be you who would have to pick up the pieces. That’s why you must not think of your liability benefits as irrelevant. They’re some of the most important that your business can carry.  
Posted 11:21 AM

Tags: business, insurance, commercial, coverage, liability, claims
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