Contractor Insurance San Antonio usually starts with General liability. General liability, also known as “commercial liability insurance,” is a broad commercial insurance policy that covers general liability exposures of a business. Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. General liability, along with worker’s compensation, are essential for any successful business.
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Additional Liability Coverage
Professional Liability Insurance (Errors & Omissions)
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers, and technology companies. Jeff Munns Agency, Inc. recommends that all professional and technology companies have E&O coverage. This helps cover contractor insurance San Antonio.
Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, you should consider this type of coverage.
Workers’ Compensation Coverage
In Texas and many other states, Workers’ Compensation is a mandatory coverage as soon as an organization has even a single employee. Workers’ Compensation provides state-mandated benefits to a worker for injury, disability, or disease contracted by the worker in the course of his or her employment.
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