Tag: liability

16 Mar 2017
Get the Best Commercial Insurance to Keep Your Business Safe

Get the Best Commercial Insurance to Keep Your Business Safe

Learn how these types of commercial insurance can keep your business safe.

Keeping your business as safe as can be is an important part of your business practices. There are various risks that threaten the safety of your company, from lawsuits to property damage. Life is unpredictable, and you need the right coverage to protect yourself. Check out how commercial insurance can help to keep your company safe. Here’s what you need to know.

General Liability.

Lawsuits are more common than ever, and they’re not pretty. They’re expensive, time-consuming, and they can destroy your business. Fortunately, you can help to offset these costs and protect your business with the right general liability coverage. From copyright infringement accusations to slander, you have the protection that you need to help keep your business safe and secure.

Product Liability.

When it comes to your business, accidents happen. If there’s an issue with the products that you produce, you could be liable for any associated damages. Be ready for the unexpected with the right product liability coverage. That way you have the coverage that you need to keep your business safe from issues like manufacturing flaws and design defects.

Cyber Liability.

Most business practices carried out today involve the use of digital technology. While they help to make tasks easier, they come with various risks. They’re vulnerable to cyber-attacks and should sensitive information get out, you could face a serious cyber liability suit. Get the protection that you need with the right cyber liability insurance.

When it comes to your business, it’s important that you have the tools that you need to stay well-protected from common threats. Invest in the right commercial insurance so that you can keep your company as safe as can be. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

25 Aug 2016
Insurance Coverage That You Need for Your Swimming Pool

Get the Insurance Coverage That You Need for Your Swimming Pool

Keep your property safe and invest in pool insurance.

Whether you already have a swimming pool, or if you’re thinking about installing one, there are a few things that you should know. In addition to figuring out what type of filter to buy and what pool accessories to invest in, you must first think about pool insurance. Despite their appeal, pools are considered to be “attractive nuisances.” Owning a pool comes with its fair share of liability. Protect your home and check out what you need to know about pool insurance.

Liability Coverage:

Your pool increases your liability risk. Should someone have an accident in or around your pool, with or without your permission, you can be found liable for the damage. Because of the higher risk of liability, your regular liability coverage may not give you a high enough limit. Invest in supplemental pool coverage so that you’re better able to get the coverage that you need. With a pool, it’s recommended that you have as much as $500,000 in liability coverage.

In-Ground vs. Above-Ground Pools:

Whether your pool is above-ground or in-ground, your homeowners insurance has several ways of looking at your pool. In-ground pools are often considered an extraneous structure, which is then covered under your homeowners insurance policy. However, not every insurer will consider it as such a structure. In those cases, you’re left without the coverage that you need. Plus, most policies charge you more for extraneous coverage. Above ground pools, on the other hand, are considered to be personal property since they originally came from a box. However, in either case, it’s a good idea to supplement your coverage with pool insurance so that you can rest easy knowing that your pool is well covered.

Keep your home as secure as can be and protect your property with pool insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.