 not cover errors and omissions your business may make. Professional liability, however, covers risks specific to the services your business provides.
Personal injury coverage offers protection for claims of offenses that produce harm other than bodily injury—essentially intentional acts that cause psychological or financial injury. Advertising injury coverage protects against offenses related to your business’s advertising of its goods or services. Coverage B pays for legal fees and court costs related to these claims, and Coverage B can cover bodily injury if personal or advertising injury is the cause.
Let’s say you offhandedly tell a customer at your coffee shop that your competitor’s employees spit in people’s cups when they don’t like them. The comment spreads and customers start boycotting your competitor. The other owner gets word about your comment and sues for slander. Advertising injury coverage pays for your legal defense and settlement or judgment costs for your competitor’s losses.
Coverage B also includes numerous exclusions, particularly in regards to intentional acts of violation or wrongful misappropriation. If you knowingly violate the rights of another person or business, your claim is usually denied. If you intentionally publish or share false information, this is another instance of intentional harm.
Say your gardening shop sells fertilizer and you display a sign that promises plants will grow 50% larger when treated with your fertilizer. However, you know this to be untrue. Customers find their plants are not growing larger, and a group of them decide to sue your business for false advertising. Because you knowingly printed false information, your advertising coverage would not cover the lawsuit costs.
If someone is injured on your business’s premises, regardless of negligence, they may be eligible to have their medical bills paid. Coverage C in standard general liability insurance covers medical payments, including necessary and reasonable care (e.g., ambulance, emergency room, surgery, funeral expenses).
Coverage C doesn’t include defense coverage because medical payments are provided on a no-fault basis. In other words, your insurer pays whether the third party or the business is responsible for the injury or accident. Many insurers prefer to pay an injured party’s medical payments upfront to help prevent a larger lawsuit down the road.
Generally, there are certain factors that must be met for Coverage C to be triggered. Medical payments are covered if there’s an injury on your business premises, if an injury occurs on the way to your business premises, or if an injury is caused by your business operations. Coverage C pertains to immediate medical care expenses, whereas Coverage A has broader coverage for ongoing medical expenses a third party might have after an accident.
For example, a customer slips and hits his head on the counter at your business. He’s conscious, but he’s bleeding from a bad cut on his forehead. You call 911 for assistance, and a team of paramedics treat the cut on-site, then take the customer to the hospital for further evaluation. Coverage C pays the cost of the ambulance and the visit to the emergency room.
Coverage C does not cover immediate medical care if you or one of your employees is injured at work. Much like Coverage A, medical payment claims are only covered for third parties—in fact, Coverage A exclusions also fall under Coverage C exclusions. Additionally, medical payments are only for initial medical care and expenses, not ongoing care that might be covered by bodily injury coverage.
Say you sell bicycles and a customer purchases your new commuter model. The first time she takes the bike out for a spin the front wheel comes loose, causing her to crash. Because your defective product caused their injuries, Coverage C does not apply here. Instead, her injuries trigger the products-completed operations portion in Coverage A.
Each general liability insurance coverage part lists a number of exclusions that do not trigger coverage. These exclusions define the scope of the coverage, but insurers also exclude risks that might make someone other than the business responsible for its operations, are too expensive to insure, or can be covered by types of business insurance.
You can be held responsible for damage and injury caused by alcohol-related incidents, so general liability policies include limited liquor liability coverage for most businesses. However, it excludes businesses that manufacture, distribute, sell, serve, or furnish alcoholic beverages. Liquor liability insurance is available as an endorsement for an additional premium on some policies, but businesses where liquor is central to their operations often need a standalone policy.
Many insurers add language that eliminates coverage for not only those in the business of serving alcohol, but also those that sell alcohol for a charge or if the serving of alcohol requires a license. For example, a nonprofit holding a fundraiser dinner that includes drink tickets may be considered as selling alcohol for a charge.
In most cases, any act of pollution or discharge of pollutants from your business premises or operations where pollution causes property damage, bodily injury, or contamination is excluded from both Coverage A and Coverage B. Pollution cleanup coverage is also excluded. Pollution liability insurance can help pay for pollution cleanup and pollution-related liability claims.
While general liability insurance covers personal and advertising injury, it often excludes coverage for businesses in media, advertising, and marketing because of the nature of their services increase the possibility of these claims. Media businesses typically have coverage for false arrest, malicious prosecution, and wrongful eviction under general liability.
For other types of personal and advertising injuries, such as a copyright infringement and libel, media professionals need media liability insurance. This specialized type of errors and omissions insurance, typically includes coverage for numerous professional liability-related offenses and defense costs in the event of a lawsuit.
General liability insurance does not cover damage to your commercial property or assets. You need commercial property insurance to cover your business space (i.e., the actual building) as well as its contents such as computers, furniture, supplies, and inventory. Consider purchasing a business owner’s policy (BOP) vs general liability insurance—a BOP combines the protection of general liability and commercial property insurance into one affordable bundle.
If you or an employee intentionally cause property damage or bodily injury, general liability will not cover it. For example, say your employee punches a customer. If the customer sues, your general liability insurer would most likely deny the claim because the customer’s injuries and medical bills are a foreseeable result of the event. Typically, the insurer has to demonstrate the result of an occurrence was expected or intended, not that the act itself was intentional.
Who’s Covered by General Liability Insurance?
General liability insurance covers you as the named insured, plus it extends to your employees. If they cause damage or injury to a third party, your general liability coverage typically pays the claim. However, general liability does not extend coverage to any independent contractors you hire.
Additionally, only people with an insurable interest, or a financial stake, can take out an insurance policy on something. The most obvious example is you, the business owner, who would suffer a financial loss if someone sued your business. However, as the policyholder and named insured (i.e., the person named on the policy), you can add other people to your coverage. This is done through an additional insured endorsement that extends some coverage to people with an insurable interest in your business.
The policy language in general liability insurance coverage creates an obligation for your insurance carrier to defend your business against suits seeking damages, whether claims are for bodily injury, property damage, or personal and advertising injury. This duty to defend is included in Coverage A and Coverage B of general liability insurance, and is subject to your policy’s limits.
In some cases, your insurer may choose to consent to proceedings (i.e., allowing a suit to move forward) or it may choose to settle or mediate a lawsuit out of court. You, the insured, typically do not get to decide how your insurer handles a case. Your insurer also does not have a duty to defend any suits you file against a third party. For example, if you decide to sue a competitor for patent infringement, your general liability insurance would not cover legal costs since it’s not a claim against your business.
General liability policies typically cover you and your business for third-party claims involving bodily injuries and property damage resulting from your products, services, or operations. Coverage also pays for your defense costs and settlements or judgments from lawsuits. While general liability covers many common risks that businesses face, read your policy carefully to understand any exclusions.
You can prevent general liability insurance claims by proactively taking steps to manage your risks. By minimizing your risks, your business can expect to pay lower premiums. Develop a thorough risk management plan, including training for employees and effective safety measures on your premises, like keeping walkways clear.You are probably wondering what can a flight simulator add on do for you if you already have the game itself installed on your system.
Since everybody is talking about modification nowadays, are you thinking that it might have to do with this.
Or does it refer to something else?
Actually these add ons are added features that you can make use of to enhance your gaming experience with the current version of that flight simulator software that you have.
Getting access to these add ons would not be a problem because most of them are provided free by software providers.
Most of the software providers nowadays have their own websites which aims to inform aircraft fanatics with certain updates regarding new software releases, added features that they can try and even free downloads to update their current software.
But before you go click on downloading a flight simulator add on, you have to make sure that what you are getting is the one that is compatible with your current aircraft software.
Since these simulators have different released versions, it is necessary for you to match your system requirements with whatever you are trying to install into your system even if these are just add ons.
Try browsing on the download details first before installing, running or downloading anything on your system