If you own a business, then you know that liability is a big deal. More importantly, enough liability coverage is critical. Curtis Miller Insurance serving the area of Parkersburg, WV can help you navigate your way around the right commercial liability insurance for your business.

Liability is when you are legally responsible for something. When it comes to business, this means that if someone falls over a rug while walking through your shop or factory or is hurt by one of your products, you may be legally liable for the expenses or damages incurred. When you consider liability coverage, think about the 3 Ps. People, places, and products

People

No matter what kind of business you run, on some level there will be other people involved – employees, suppliers, or customers. You need liability insurance for all three. In West Virginia, it is compulsory to have Worker’s Compensation, a type of liability insurance, even if you only have one employee.

Places

Factory, shop, or home office, or even the company vehicle. Are you covered if something unforeseen happens in one of these places and you are legally liable? For company vehicles, specifically, there is additional mandatory liability insurance.

Products

Any business will tell you that they design their products to be as safe as possible. Unfortunately, sometimes accidents just happen. If someone has your product and something goes wrong, are you covered if a lawsuit is brought against you?

Take Action Now!

There is a range of commercial liability insurance options available. These range from general liability, all the way up to additional umbrella insurance. Liability is almost impossible to avoid these days. Do not put your livelihood at risk by remaining uninsured. Speak to Curtis Miller Insurance serving Parkersburg, WV today!