Anyone who comes in contact with you or your employees can file a claim or lawsuit against you for a range of reasons, including money needed for ongoing medical attention and unfulfilled promises stated in a business contract. Commercial liability insurance helps your McKinney business through challenging situations by covering the associated cost of legal defense and legal damages you may need to pay, up to the policy limits selected. Connect with a Mauceri-Bynum insurance agent about your options to cover your McKinney business with commercial liability insurance.Contact Our Team
Liability insurance can help cover medical expenses, attorney fees, and other expenses you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind. For example, any individual or business providing an opinion, making recommendations, designing products/solutions, or offering a service is at risk for a professional liability lawsuit. Mauceri-Bynum Insurance Agency can give you commercial liability insurance quotes and help you select a policy that will aid with defense costs, regardless of fault, as well as protection for judgments, court costs, and more.
In case you’re curious what kinds of situation would be covered by McKinney commercial liability insurance, here are a few examples.
Sufficient lighting can help prevent falls and provide a more secure environment for everyone.
If someone is injured as a result of improper lighting that leads to a dangerous situation, it’s possible you could be found responsible for the incident.
Make sure spills are cleaned up immediately or, in the case of large spills, have an employee stand near the affected area until the spill has been completely cleared. Many companies utilize “wet floor” signs and make sure to use floor mats at entrances and other areas that are often wet or slippery. If someone falls as a result of a spill or wet/slick area in your business, it’s possible you’ll need to use commercial liability insurance to cover those costs.
Here are a few tips and tricks that could save you from needing to utilize your commercial liability insurance as a result of falls or injuries on your property. Conduct daily checks on all parking lots and exterior walkways to ensure a smooth and safe path. Repair potholes, large cracks, or uneven pavement areas. Use contrasting paint to mark wheel stops in parking lots to avoid trips and falls. Clear ice promptly from walkways and parking lots, and keep an eye out for other potential hazards.
Stairs are some of the most hazardous areas of any property. Secure handrails and steps on all stairways. Make sure stairs are adequately lighted from above and that single steps or uneven surfaces are illuminated so they can be easily seen. Lighted steps can help in particularly dark areas. Steps should have a non-skid surface or be equipped with abrasive strips for sure footing. Failing to observe these steps could result in injury to one of your employees or customers, impacting your McKinney commercial liability insurance.