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Follmer Insurance Services, Inc. offers a wide variety of business insurance products, including professional liability, property, auto, and more. We also offer coverages suited to fit your budget.

[follmerinsuranceservicesinc]

Established in 2000, Follmer Insurance Services is your go-to partner for insurance solutions. We offer homeowners, auto, business, commercial auto, farm insurance and more. Let’s discuss your needs today.

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Facts About General Liability Insurance In Brighton and South Lyon

A small business owner, such as one who runs a retail store or works from home exclusively, may have to face certain risks along the way. Being held liable for physical injury or damage to personal possessions is common enough. Small business owners are often unprepared for the financial impact along with legal consequences. It thus makes sense to consider being covered for general liability insurance in Brighton and South Lyon. The business owner gets to mitigate the risks and concentrate on business operations without being anxious about causing discomfort to the visitors and customers.

It is important to discuss the matter with the agent or the carrier to be convinced of its efficacy. The extent of coverage related to general liability usually includes the following:-

· Bodily Harm- The medical expenses of the injured customer or guest/visitor on the business premises are reimbursed by the insurance company. It is a win-win situation for all concerned, with the injured person receiving due treatment.

· Property Damage- When a customer's property is damaged by the business entity, such as an employee who enters the customer's home for a professional reason, the customer can claim liability for the damage. Thankfully, the insurance carrier will step in here and pay for the repair of the damaged item or replacement

· Physical Injury- The insurer will cover the legal costs when the insured person is sued for libel, slander, or breach of contract.

The coverage may be diverse. A single entity will not need all the coverage though. The following are the most popular types of general liability coverage that business owners often pick according to specific requirements:

· Product Liability- This is usually included in the general liability coverage. The seller is paid compensation for selling a product/service that may have caused physical harm or damaged the customer's property.

· Product Recall- A product that is recalled for inferior quality or harmful effects is sure to cause a financial impact. The business owner may add this coverage to the existing commercial insurance policy, thus remaining free of financial obligation after the recall.

· Contractual Liability- This is an add-on feature of the general liability insurance. This coverage offers protection from all contract-related liabilities.

· Short-Term Liability- The term is self-explanatory. This coverage is meant for short-term projects that usually last between two hours and two weeks to completion. It is similar to the general liability coverage but will only be active for the specified period.

Inclusions

Sure, the idea of being covered for general liability is exciting. It is essential to know the inclusions in the coverage plan. Almost all carriers will compensate for:-

· Property damage claims made by a third party

· Medical expenses for the customer/visitor claiming liability

· Administrative costs for dealing with liability claims

· Legal expenditures for courtroom expenses, judgments, settlements, and defense trial

 Small business operations are pretty straightforward. Being covered by small business insurance in Brighton and South Lyon is essential to reduce the associated risks.