subject: Adequate Liability Limits for My Business Insurance Needs in Oak Grove, Missouri [print this page] Adequate Liability Limits for My Business Insurance Needs in Oak Grove, Missouri
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers' compensation, to name a few. Determining how much liability is a question that many business owners are unprepared to answer. The following are factors that should be included when deciding how much liability coverage should be purchased for your business:
Attempt to ascertain the largest judgment rendered against your type of business within the judicial area in which you are located or in which you sell your product or service.
Examine your balance sheet (assets vs. liabilities) to determine what you have to lose and thus need to protect. Remember, however, that liability losses resulting in judgments or out-of-court settlements generally have no respect for wealth or lack of it.
Similar to setting liability limits based on your balance sheet, use your income statement for the same purpose. However, the same concern regarding losses vs. wealth still applies.
Consider liability limits you can afford or with which you feel comfortable. Unfortunately, this practical approach does not provide "a quiet night's sleep" for most business owners, especially if you realize that the next verdict could easily exceed your limits several times over.
Review all business contracts you have signed, including premises and/or equipment leases, etc. for their specific liability limit requirements -- most contracts will have them! This may determine at least the minimum liability limits you should carry just to comply with the contract provisions.
Consider what level of liability protection is being carried by other area businesses and competitors similar to yours. While we cannot disclose confidential client information, our agency is a good source of general information of this nature because of the number and cross-section of businesses we insure.
All of this causes one to ask what a business owner can do to determine proper liability limits if the techniques previously listed are filled with uncertainty. There is no one acceptable and simple method. It requires an examination of the legal climate, or perhaps various legal climates, the type of exposures presented, and all of the previously suggested parameters.
Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs,US Insurance Agencycan design a protection program that's right for you.
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