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Who it protects against. What is per occurrence? Refers to the total amount the insurance company will pay per incident during the policy term. When do your policies start? The first of every month. What is aggregate? How long does my policy last? All policies are annual. Is there a deductible? If I have more questions how can I reach you?
Our office is open a. Or email us at any time. Read More. Following the trends of and which saw five of the 15 costliest catastrophes in history , continued to [ The umbrella liability policy. One of the most misunderstood concepts in insurance for real estate investors. Even among insurance professionals, [ A monthly reporting form is an insurance methodology which allows our clients to change occupancy status, property values, as well [ Vacant Land Liability Insurance.
Vacant land liability insurance coverage you need. What does vacant land liability insurance cover? Examples of vacant land liability coverage may include: Bodily injury to a third party that happens on your vacant land Medical expenses if someone is injured on the property Defense costs if someone is injured on your vacant land.
Available coverage limits. Request a Proposal. How much vacant land liability coverage do I need? The commercial insurance content available on this page is for informational purposes only and not for the purpose of providing legal or financial advice.
General Liability Insure does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on this website. Terms of Service Privacy Policy. What is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
What is covered under workers compensation insurance? This type of insurance protects a business and its owner s from claims by employees who suffer a work-related injury, illness or disease.
What is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
What is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster.
If you work from home, you might consider a Home Based Business Insurance policy instead. What is covered under a business owners policy BOP? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance. What is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes.
This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business.
These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident. What is covered under commercial umbrella insurance?
This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits. What is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder. What is covered under professional liability insurance? It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Just as the landowner would be responsible if that friend was hurt in their home, they are likely on the hook on vacant land -- particularly if someone is injured due to negligence on the part of the landowner. No matter what a landowner allows people to do on their vacant land, from hunting to hiking, they can be held responsible if someone is hurt.
Here's where things get sticky. As a general principle, a landowner is not liable if someone trespasses on their land and is injured. But there are exceptions, according to AllLaw. For example, say the vacant land sits between a busy bus stop and a school, and children regularly cross the land to get to class. The landowner is aware their land is being used and could be held responsible if someone is hurt.
The same is true if they know people regularly hunt on their land or ride ATVs. Even if the owner has posted no trespassing signs, once they know others are using their land, they must do everything within their power to make sure people are safe. In most states, that means the landowner must refrain from doing anything -- like skeet shooting or target practice -- that could cause harm to trespassers. There is no "stand your ground" law for someone who is simply trespassing on a landowner's property.
Imagine that a piece of land includes a wooded area, and the owner has seen evidence that people use those woods to camp. It's up to the landowner to make sure nothing happens that might put those people in peril, even if they were never granted permission to be on the land. The property owner has every right to ask trespassers to leave or to set up barriers that make it difficult to trespass.
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