Keeping reading for contractor insurance requirements Tennessee. General liability insurance coverage protects your business assets from the risk of property damage claims, bodily injury claims and personal and advertising injury claims. Click here for Tennessee auto insurance requirements.
General liability insurance provides coverage for customer injuries (such as slip and fall) and damage to the property of others. It also provides coverage for medical expenses and legal costs if an incident leads to a lawsuit. Keeping reading for contractor insurance requirements Tennessee.
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Here are some examples of coverage:
- Bodily injury or property damage: claims that your business caused someone bodily harm or damaged someone’s property.
- Personal Injury: claims of malicious prosecution, libel, slander, violation of the right of privacy and more.
- Advertising errors: claims of false advertising or copyright infringement in your marketing and advertising efforts.
- Medical payments: help cover medical costs if someone sustains an injury at your business.
- Damage to rented property: when property you rent is damaged by your actions (for example, a candle in your office starts a fire).
Product liability: claims that your product caused someone bodily harm or damaged someone’s property (for example, negligence or product defect).
Workers’ Compensation Insurance
AmeriAgency pays the benefits required by law in every state. Generally, workers’ compensation covers the following:
- Medical expenses. Medical treatment prescribed by a doctor for work related injuries. These may include but are not limited to, ER visits, doctor visits, prescription medicine, surgeries, hospital stays, rehabilitation, and medical equipment. Keeping reading for contractor insurance requirements Tennessee.
- Wages from lost work time. Wage replacement benefits help the injured employee during the recovery period. The amount paid is based on state guidelines.
- Disability. There are four major types of workers’ compensation disability. They are often called permanent total, permanent partial, temporary total and temporary partial. Benefits and the definition of disability vary by state. Keeping reading for contractor insurance requirements Tennessee.
- Financial benefit to a deceased worker’s family. In the tragic event an employee should die on the job, this benefit will help pay for the cost of the funeral as well as provide the employee’s dependents with monetary support.
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