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A Liability Insurance Certificate Is What, Exactly?

11/1/2022

3 Comments

 
Picture
​A liability insurance certificate verifies that you have general liability insurance. This document contains information about:
  • Amounts and limits of coverage
  • Your insurance provider
  • The policy named insured
  • Date of policy implementation

This insurance is essential professional liability coverage for your company. It helps to cover allegations that your company caused bodily harm or property damage to someone else's property. 

To acquire a certificate of liability insurance, you must first secure general liability insurance coverage. Your certificate of liability insurance may be available online once the policy is issued.

Why Do Businesses Require Proof Of Liability Insurance?
Each company may have a different purpose for requesting an insurance certificate. Parties may generally request certification if they believe doing business with you puts them at risk.
Here are several typical business connections that frequently demand the keeping of certificates of insurance:

Landlords
When you rent a building (or a section of a building) and run your business out of it, you expose your landlord to specific risks. Your landlord may have fewer options for compensation if you accidentally burn down the building without a general liability policy.

Vendors
To ensure that they will be protected if you damage their business or harm a customer while using their products, certain suppliers or vendors may ask you to present a certificate of liability insurance.

General Contractors
General contractors want to know that if something goes wrong on a project, their insurance may cover any issues arising from their work.

Banks
A bank wants to know if your insurance can protect them if a lawsuit arises from the operation of the property you are financing with them because they have a stake in it.

Business Relationships
Large corporations with risk management or compliance teams will typically require all partners to file a certificate, regardless of their tasks.

Conclusion
Not all insurance companies are the same. It's essential to collaborate with an attribute. At Desmond Insurance, with services like general liability insurance. We can help you obtain other crucial company insurances, such as commercial auto and property insurance.

At Desmond Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (859) 491-5100. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!
3 Comments
Eli Richardson link
1/6/2023 12:45:15 pm

It's great that you talked about business insurance and how each type of company has different insurance needs. I heard that my cousin is starting a company next July, so he's interested in finding the right insurance plan for his business, and I'm sure that your article could help him. I appreciate your advice on getting a liability insurance certificate to improve your business's professional image.

Reply
Iris Smith link
2/22/2023 08:33:00 pm

Thank you for mentioning that certain suppliers or vendors may need you to show a certificate of liability insurance in order to assure that they will be safeguarded in the event that you hurt their business or an individual client while using their products. My sister opened a shop. She is concerned about the safety of her shop. I'll advise her to secure general liability insurance for her company.

Reply
Professional Liability Insurance link
8/31/2023 04:45:27 am

This article by Desmond Insurance highlights the importance of liability insurance certificates for businesses. It effectively explains the document's contents, the need for liability coverage, and reasons various entities like landlords, vendors, and banks may require proof of insurance. The article underscores the value of working with a trusted insurance provider like Desmond Insurance. Their commitment to tailored coverage shines through, making them a reliable choice.




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