General Liability Insurance

General Liability Insurance

Protection from the Unexpected

Let’s face it, we live in a lawsuit-happy society. Time and time again we see businesses sued for things like bodily injury, property damage, negligence, libel, slander, copyright infringement and more. To make matters worse, businesses can be sued even when they did nothing wrong!

Listed below are a few of the risks a business could face that NHC Insurance Services can help protect against:

  • Bodily injury or property damage: Provides protection against claims alleging financial loss due to property damage or bodily injury arising out of your business operations or products.
  • Damage to premises rented to you: Helps protect your business against certain claims for damage to premises rented to you due to fire, lightning or explosion.
  • Reputational harm: Helps protect your business against certain claims of false arrest, malicious prosecution, libel, slander, wrongful eviction, violation of the right of privacy and more.
  • Advertising errors: This coverage protects your business against intellectual property claims when advertising goods, products, or services in your promotions.
  • Medical payments: Protection against medical claims if someone is injured on your business premises and needs medical treatment.

Although [Sunshine] knew about the huge problem regarding our Business Owners Insurance, she stepped right in and sorted things out. Not only did she correct the problem with the current policy period but she also rectified a problem on the prior year’s audit. And in addition was able to stop the cancellation process that was already in motion and to become effective at 12:01am that evening.

She has been a terrific help and never once was even the slightest bit annoyed about any of it. Because of her, I will recommend anyone I know looking for Business Insurance to contact NHC Insurance. You have a real find, and should be proud of her.

Abbie H.

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Additional Coverage Options

Take a look at the list below for additional general liability coverages that are often available.

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. To think about this in the simplest of terms, just think if you were to make an “Error or Omission” while in the process of doing your job as a Professional in your field (which is why it is also called Professional Liability).

NHC Insurance Services recommends that all professional and technology companies have E&O coverage.

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.  Remember that California remains to be one of the most litigious States in our Country!  Please think about this when insuring your company and consider at least getting a quote for many of these coverages.  Some claims may be baseless but Legal Fees will need to be paid in order to defend yourself!  Even in a baseless claim you will pay legal fees instead of possibly paying a deductible to protect yourself and your company!

Directors and Officers Insurance (D&O)

D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other products and services, call NHC Insurance Services at 310-221-0917 and we’ll help make sure you’re properly covered.

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Jessica M. Ortega has been a beneficial and professional relief in my overwhelming personal endeavors while starting my business. As we all know there are many factors and legal statutes that govern contractors in California. While searching for the best carrier for my communications business, I randomly found Safeco and Jessica.

Jessica has answered all my questions, concerns and requests with professional and quick results. She will handle any and all my business and personal insurance needs. Jessica is well appreciated and respected by all of those in my industry.

Jason M.

We really appreciate the fast and friendly service provided to us by Jessica. We were recently running out of time to keep our insurance policies from lapsing and she was able to assist us within a day of our submitting the necessary paperwork.

Additionally, she had the initiative to solicit us for a quote on a policy that we had with another carrier, which we had not planned on switching, and the result was that we saved $700 on that policy written by NHC. Jessica did a great job for us and we are enthusiastically appreciative of her efforts and service. Thanks for a job well done!

Len M.

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