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Medical Malpractice Liability aka Errors and Omissions Liability helps protect the insured when legal claims arise against their professional services. For example, if a client gets sick or develops a serious nutritional deficiency after following the nutrition plan recommended by the Nutritionist and seeks damages from the Nutritionist for a bodily injury or emotional distress claim, this coverage will protect you for the legal expense and the amount awarded by court against you up to the limits purchased.
This is a claims made policy, which implies that it will cover you against any claims being made or reported during the policy period arising out of any events that occurred on or after the retroactive date indicated on the policy.
Retroactive date will be the inception date of this policy i.e. the date this policy with Apollo first came into effect.
Defence Costs are inclusive within the limit of liability purchased under this coverage.
Commercial General Liability (CGL) - This is designed to cover bodily injury, property damage and personal and advertising injury to others. As a business owner you may be held responsible for accidents such as the following.
- if anyone is injured because they tripped over your chair or one of your cords.
- If you create a print ad that contains a photo of one of your customers, but you did not obtain permission from the customer to use her photo. She sues your company for violating her privacy.
- If a pedestrian slipped and was injured on the sidewalk outside of your storefront if you did not clear the snow or ice on the sidewalk.
Claims such as these will be covered under Commercial General Liability coverage. This also may be required to ensure you meet the contract requirements for a landlord or client.
Property/Business Contents - This provides coverage for the loss or damage due to fire, theft, smoke, windstorm or water damage etc. It covers:
- Your business property like office furniture, computers, and other equipment.
- Leasehold improvements that you made at your own expense
Tenants' Legal Liability - Should a tenant or a tenant’s employee damage the premises occupied by the tenant, the tenant could be held responsible for such damages. If the building owner insures the building and the owner’s insurer repairs the damages, the owner’s insurer may subrogate for the damages paid from the tenant. In that case, Tenant’s Legal Liability will cover the insured if he/she is legally liable for such damages as a Tenant.
For example, if the insured left the water running and it flooded the whole unit overnight, the tenant may be held liable for such damage, which would be covered under Tenants’ Legal Liability coverage.
Non-Owned Auto Liability - This covers bodily injury and property damage caused by a vehicle you rent or hire (including rented and borrowed vehicles) or caused by non-owned vehicles (vehicles owned by others including vehicles owned by your employees). You may be required by your landlord to carry this coverage up to a certain stated limit.
SEF 94 - Legal Liability for damage to hired automobile - This covers physical damage to the vehicle you may hire or rent. For example, you rent a car for a week for a business trip and its front bumper and headlights get damaged in a collision. SEF 94 will cover the damage to the vehicle up to a maximum $50,000.