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Errors and omissions protects you from claims in the event a customer or client sues your service business for negligent acts, errors or omissions occurring during business activities, and which potentially result in a financial loss for the client.
Benefits of a specialized E&O policy may also include:
Your base policy typically protects farm homes, buildings, machinery, equipment and livestock, all the coverage the average farm and ranch operations require. Then, we will discuss optional coverages you can tailor fit to meet your exact needs. That means, you only pay for the protection you need, and nothing you don’t.
Coverage for Farm & Ranch includes:
Landlord liability coverage kicks in to help pay medical expenses for injured tenants, or legal defense and court judgments made against you for other damages, up to the limits stated in your policy.
Coverage may include:
Owning a business that serves alcohol, whether in an established location or a special event, always involves an element of risk. Liquor liability insurance protects you against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others.
If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage.
What does liquor liability insurance cover?
A good deal of alcohol-related liability claims filed against bars, taverns, and restaurants are a result of liquor-induced fights or altercations. In fact, just escorting an unruly patron to the exit is frequently enough to trigger an assault and battery allegation. Along with coverage for these events, litigation costs, including the fees to retain an attorney and court costs may also be covered under a liquor liability policy.