What’s Not Covered Under General Liability Insurance

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Whats Not Covered Under General Liability
Insurance
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Professional Errors

• Professional liability insurance can cover claims
  over professional mistakes, including undelivered
  services and missed deadlines.
• Example A web designer fails to deliver a
  website redesign project by the date specified in
  her contract with a local retailer. This causes
  the business to miss projected sales goals during
  the top online shopping season. The stores owner
  decides to file a claim over lost revenue.

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Employee Injuries

• Workers' compensation insurance is the policy
  that covers medical expenses, physical therapy,
  and some lost pays for employees.
• Example A part-time employee at a physical
  therapy business slips on a wet floor and injures
  his back. Workers comp can help cover medical
  expenses and lost wages.

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Business Property Damage

• Commercial property insurance can help pay for
  expenses to repair or replace your business
  property when it's damaged by fire, robbery, and
  some weather-related events.
• Example A fire damages a bakerys storefront and
  kitchen. Commercial property insurance can help
  pay for repairs to the building and replace
  damaged cooking equipment.

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Employee Discrimination Lawsuits

• Employment practices liability insurance can
  cover charge expenses related to claims of
  harassment, discrimination, and wrongful
  termination.
• Example An employee at a boutique architectural
  firm files a lawsuit claiming partners are not
  assigning her to high profile projects because of
  her society.

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• The IDA provides Commercial Auto and General
  Liability Insurance, Business Formation and Route
  Re-engineering support for large brands.
• For more information visit
• https//www.nationalida.com/