Indpendent Contractors – The need for general liability insurance
April 11, 2018
Recently at J&R we’ve run into several independent providers that have a contract with various organizations and the new contracts is requiring the providers to purchase general liability insurance. The first question that they ask is “Do I really need this coverage?” Our response is “definitely!” Commercial general liability coverage is similar to the coverage you receive when you purchase a homeowner’s policy. It provides you protection for any damages that arise from your negligence as a businessowner. Some examples would
- The most common example in the healthcare world would be a slip and fall in any icy parking lot or a patient tripping on a rug. This is considered a bodily injury exposure.
- Liability for the actions of your employees like accidently starting a fire at a rented office. This is considered property damage.
- If a professional libels/slanders another person or entity
- Copyright Infringement