Augusta Business Liability Insurance

Augusta business liability insurance will protect your company from third-party claims related to property damage, personal injury and advertising injury. However, it will not protect you from claims originate within the workplace. So if an employee sues your company for wrongful termination or harassment, your basic commercial Georgia business liability insurance won't cover you.

If you have employees working for your Augusta, GA business, you need something called Employment Practices Liability Insurance or EPLI. EPLI will protect your Augusta company if an employee sues you, or if he or she does something wrong unbeknownst to the company. While you may trust your employees, you probably don't want to skip out on EPLI. If you do, the results could be devastating for your Augusta company.

It's important that you understand what your basic Augusta small business general liability insurance does doesn't include. In addition to lawsuits from employees, you need to consider claims related to professional negligence, products that you manufacture or sell, and many other components of your business. While it would be easier if your Augusta business liability insurance covered all legal claims, that simply isn't the case.

Augusta Employment Practices Liability Insurance

EPLI covers most employee claims. It usually covers claims related to emotional distress, discrimination and harassment. EPLI also sometimes covers privacy-based claims, and may or may not cover defamation claims. It depends on the circumstances of the situation and your Georgia insurer.

In general, though, EPLI does not cover claims related to violations of Georgia employment law or the Employment Retirement Income Security act. EPLI doesn't cover violations of the Fair Labor Standards Act, either. There are a number of other exceptions to EPLI, too. For example, if you or a manager intentionally harms an employee, you're not covered by EPLI.

However, here's where it gets a little confusing: if your employee intentionally does something wrong, but your Augusta, GA business doesn't know about it, EPLI will cover you. Like Augusta business liability insurance, EPLI won't typically cover for intentional injury. As noted, though, if an employee does something wrong, EPLI will sometimes defend the company. For example, if an employee embezzles money, EPLI will cover you from legal claims.

Your company may be able to get EPLI in a package that includes basic Augusta business liability insurance. If you do, though, you need to pay attention to the limits of the package. EPLI often includes legal fees in the limits, whereas Augusta business liability insurance usually doesn't. If the legal fees are included in the limits, your limits are obviously much lower, so you need to pay attention to that.

You should also be aware that some Employment Practices Liability Insurance companies contain a "hammer clause". A hammer clause means that, in some cases, your small business in August, GA will have to settle if the insurer wants to. So, if a meritless claim is brought against you, you may be forced to settle with an employee rather than follow the case through to a trial.

Liability Insurance Exclusions

In addition to excluding employee claims, your Augusta business liability insurance will exclude claims related to professional negligence. If your Augusta, Georgia business offers advice, or does anything in which your professional ability might come into question, you need malpractice insurance. Even if you never make any mistakes, there's a chance someone will bring a meritless claim against you.

Furthermore, malpractice isn't just for attorneys. Many professionals, including architects, technology specialists, and many others require Errors and Omissions. If you're not sure whether you need this policy or not, you should get in touch with an Augusta business liability insurance agent. He or she can explain to you whether or not you may face situations in which malpractice coverage is necessary.

If your company sells or manufactures products, you need a policy to cover claims related to those products, in addition to your basic commercial liability policy. You need what's called "product liability" coverage added to your policy to cover such claims. For example, if the food you serve makes someone ill, you need this coverage in place.

Other exclusions from a basic commercial policy include vehicles and alcohol. If you or any of your employees will be driving for work purposes, you need special protection for your commercial vehicles. If you're opening a bar or a restaurant, you should be aware that your basic policy doesn't cover you for liquor related claims.

As you've probably gathered at this point, insuring your company is a little bit complicated. You may want to ask an Augusta business liability insurance agent for help. He or she can secure the lowest rates, and help you compare the quotes of different insurers. You'll probably find that it's much easier to protect your company with the help of a professional.

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