General Liability Insurance

• Property damage coverage
• Personal injury protection
  

• Fire liability
• Liability due to errors in operations and / or products
  

• Casualty coverage
• Employment practices liability
  

Since the insurance requirements for each business will vary, discussing your particular needs with an experienced and knowledgeable insurance broker is essential. Ungles Independent Insurance Group specialists customize general liability policies for businesses, from the mom and pop shop down the street to large corporations.

Professional Liability

Most business owners understand that a general liability policy offers only basic financial protection at a specified amount to financially protect their organizations against claims made for bodily injury and/or property damage. Yet even with this type of standard insurance coverage, your business may still be vulnerable to costly lawsuits when claims involving negligence arise. UIIG provides professional liability insurance coverage and customizes your policy to fit the particular needs of your profession or industry.



Besides negligence standard insurances often do not cover:

• Misrepresentation
  

• Violation of good faith or fair dealing
  

• Inaccurate advice
  

In these cases, you or an employee can be sued with no financial coverage which can lead to paying out of pocket, unneeded stress and much more.

Why Do I Need Professional Liability Insurance?

If a client holds you responsible for services that were provided but did not have the intended results, or if you are accused of failing to provide services, professional liability insurance, (also known as Errors and Omissions insurance or Professional indemnity insurance) will protect your business assets and financially protect you from bearing the full cost of negligence claims in the event that you lose your case.

Which Service Industries Require Coverage in Goddard?

Any organization that offers goods and services must consider acquiring some form of professional liability insurance in addition to general liability protection. Construction services and auto repair shops for example, will normally require this type of additional coverage. Professionals such as doctors and lawyers and organizations that are involved with caring for or helping others in a professional capacity should not operate without professional liability protection. Financial advisers, information technology professionals, real estate professionals and many other service providers also require added liability coverage in the event of a lawsuit. Consult with a knowledgeable Ungles Independent Insurance Group broker to learn more about the insurance requirements for your business.



Call us today for a free consultation on how you can protect your livelihood.