Commercial Lines
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Safeguard Your Dreams: Unleash the Power of Freedom Insurance Solutions!
Getting General Liability Insurance Made Easy with Freedom Insurance Solutions Say goodbye to the complexities of traditional insurance models. At Freedom Insurance Solutions, we believe that a general liability insurance policy should be straightforward and reliable. That’s why we’ve streamlined the process, making it convenient for you to obtain cost-effective coverage for your small business. Whether you prefer an entirely online purchase or a personalized consultation with our licensed insurance experts, we’ve got you covered. As the boss, you deserve peace of mind. With Freedom Insurance Solutions, you’ll not only receive top-notch protection but also enjoy direct savings of up to 20% compared to other providers. Choose us for a general liability insurance policy that combines affordability and security—all in one package.
Property Damage:
- If an employee accidentally damages customer property, our general liability insurance covers replacement costs. For instance, imagine a contractor unintentionally setting fire to a building during work—repair expenses exceeding $150,000. With Freedom Insurance Solutions, you’ll have assistance in covering those costs.
Bodily Injury:
- When a non-employee gets injured on your premises, our coverage handles medical and legal expenses, along with damages.
Product Liability:
- If your business’s products cause harm, our liability insurance pays for legal costs related to product liability lawsuits and any resulting medical expenses.
Libel, Slander, and Copyright Infringement:
- Freedom Insurance Solutions supports you in handling lawsuit expenses arising from personal and advertising injury. This includes scenarios like disparaging competitors in your ads or using someone else’s advertising idea.
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Common Question for this loan
General liability insurance provides coverage for lawsuits related to bodily injury, property damage, libel, or slander. It protects your business from legal claims.
While not always legally mandated, it may be required by contracts or lease agreements. It’s essential for protecting your business.
The cost varies based on factors specific to your business, such as industry and coverage needs.
It covers bodily injury, property damage, and advertising injury claims. For example, if a customer slips and falls in your store, general liability can help cover medical expenses.
No, general liability typically doesn’t cover theft. For theft-related coverage, consider other policies like property insurance or crime insurance.
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Workers' Compensation Insurance
Workers’ compensation insurance, sometimes known as workman’s comp insurance, is a state-mandated insurance program that provides medical, disability, survivor, burial, and rehabilitation benefits to employees who are injured or killed due to a work-related injury or illness.In nearly all states and with few exceptions, businesses are required by law to carry workers’ compensation coverage. This insurance not only protects employees but also helps employers by covering the costs associated with workplace injuries and illnesses. It ensures that employees receive the necessary medical care and financial support during their recovery period. Additionally, workers’ comp can help businesses avoid costly lawsuits by providing a structured compensation system. By complying with state regulations, businesses can maintain a safe and supportive work environment.
Benefits:
- Medical Benefits: Covers medical expenses related to work injuries or illnesses.
- Disability Benefits: Provides wage replacement for employees unable to work due to injury.
- Survivor Benefits: Offers financial support to families of employees who die from work-related incidents.
- Rehabilitation Benefits: Assists with the costs of rehabilitation and retraining for injured employees.
- Legal Compliance: Helps businesses meet state-mandated workers’ comp requirements and avoid penalties
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Common Question for this loan
Workers’ compensation insurance is a state-mandated program that provides medical, disability, survivor, burial, and rehabilitation benefits to employees who are injured or killed due to a work-related injury or illness. It helps protect both employees and employers from financial loss.
Yes, in nearly all states, businesses are required by law to carry workers’ compensation insurance. There are a few exceptions, but most employers must provide this coverage to comply with state regulations.
Workers’ compensation covers medical expenses, lost wages, ongoing care costs, and funeral expenses if an employee is hurt, becomes sick, or dies as a result of a work-related accident or illness. It also includes rehabilitation and retraining costs for injured employees.
Employers are responsible for purchasing workers’ compensation insurance to cover the benefits for employees. Employees do not pay for their own workers’ compensation benefits.
If an employee is injured on the job, they should report the injury to their supervisor immediately. The report should include the date, time, and circumstances of the injury. Prompt reporting ensures that the claim process can begin quickly.
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Empower Your Business with a Business Owners Policy (BOP)
At Freedom Insurance Solutions, our mission is clear: to provide small business owners like you with top-tier, cost-effective insurance options. We sell BOP policies directly to you—whether online or over the phone. Either way, you’ll save up to 20% on your business owners insurance quote compared to other companies. No middlemen, no unnecessary fees—just a great policy and an insurance company dedicated to safeguarding your small business.
Freedom Shield: Unleashing the BOP Advantage!
Unlocking the Power of Business Owners Policy (BOP) At Freedom Insurance Solutions, our business owners policy (BOP) combines property and liability insurance. This streamlined approach benefits small businesses in several ways:
- Broader Coverage:
- A single BOP insurance policy protects against more potential claims.
- Effortless Management:
- Submitting claims is a breeze because multiple concerns are covered under this one policy.
- Cost Savings:
- Purchasing property and liability insurance together often costs less than individual policies.
Common Business Owners Policy Endorsements
Some of the most common business owners policy insurance endorsements include:
- Cyber Liability
- Hired and Non-Owned Auto Liability
- Employment-Related Practices Liability
- Employee Benefits Liability
- Contractors Installation, Tools & Equipment
- Liquor Liability
- Equipment Breakdown/Boiler & Machinery
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Common Question for this loan
A BOP consists of general liability insurance and commercial property insurance. Neither policy is legally required, but many business contracts and professional licenses may necessitate general liability coverage. Commercial landlords often require tenants to have commercial property insurance as well.
The coverage amount varies based on your business needs. Consult with an insurance professional to determine the right level of protection.
Yes, you can include non-owned auto coverage in your BOP. It protects you when using rented, leased, or borrowed vehicles for business purposes.
Typically, a BOP doesn’t cover independent contractors directly. However, it protects your business from liability related to their work.
A BOP provides limited coverage for social media risks. Consider additional cyber liability insurance for comprehensive protection.
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Protect yourself with Professional Liability insurance
Secure Your Expertise with Professional Liability Insurance As a professional, safeguarding your livelihood is crucial. You require comprehensive and affordable insurance to shield you from potential damages or legal expenses. Enter professional liability insurance—also known as errors and omissions insurance or professional indemnity insurance. It’s the coverage you can rely on.
What is Professional Liability insurance?
As a professional, it’s your responsibility to adhere to certain standards and best practices for your industry. If a client feels that you made a mistake or oversight with your services, they could claim that you didn’t meet those standards and sue your company for economic damages.
What does Professional Liability insurance cover?
- Unfulfilled Duties:
- When you’re expected to take specific actions but fail to do so—like missing a tax filing deadline as an accounting firm.
- Negligence:
- Negligence occurs when you don’t exercise proper care while performing critical tasks. For instance, failing to advise a client about essential insurance coverage.
- Errors:
- You’re held accountable for mistakes made by you or your employees that result in financial losses for clients.
What’s not covered by Professional Liability insurance companies?
- Regular accidents that aren’t related to your expertise.
- Employee injuries and related costs.
- Damages to your business property.
- Illegal acts or costs of defense for criminal prosecution
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Common Question for this loan
Professional liability insurance provides financial protection against legal disputes over professional mistakes. If an error in the professional services you provide leads to a financial loss for your client, they can sue your business for negligence. Having professional liability insurance (PLI) helps cover your legal costs.
The cost varies based on factors specific to your business, such as industry and coverage needs.
Professionals across various fields benefit from PLI, including consultants, accountants, architects, and technology professionals.
It covers claims related to errors, omissions, defamation, and more.
Yes, in most cases, professional liability insurance premiums are tax-deductible.
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Safeguard Your Dreams: Unleash the Power of Freedom Insurance Solutions!
Disability Insurance
- Short-Term Disability Insurance: Provides income for a limited time if you cannot work due to a disability.
- Long-Term Disability Insurance: Provides income for an extended period, usually after short-term benefits are exhausted.
Travel Insurance
- Trip Cancellation Insurance: Reimburses costs if you need to cancel your trip.
- Medical Coverage: Covers medical emergencies while traveling abroad.
- Baggage Loss Protection: Compensates for lost, stolen, or damaged luggage.
Cyber Insurance
- Protects businesses against cyberattacks and data breaches, covering costs related to recovery, legal fees, and ransom payments.
Pet Insurance
- Coverage for veterinary costs and treatments for pets.
Cyber Insurance
- Protects businesses against cyberattacks and data breaches, covering costs related to recovery, legal fees, and ransom payments.
Pet Insurance
- Coverage for veterinary costs and treatments for pets.
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Common Question for this loan
Yes, there can be restrictions depending on the type of other coverage you have. Some policies may have limitations on the services they cover, waiting periods before benefits start, or specific conditions for eligibility. Always review the policy details to understand any limitations or exclusions.
Choosing the right additional coverage involves assessing your personal health needs, financial situation, and existing insurance plans. Consider factors like your health history, potential medical costs, family circumstances, and budget. Consulting with an insurance expert or financial advisor can also provide guidance tailored to your situation.
Typically, having other coverage does not directly affect the premiums of your primary insurance plan. However, depending on the policies, it could lead to lower out-of-pocket expenses if you need specific services, potentially reducing your overall healthcare costs. Always check with your insurance provider for detailed information on how different policies interact.
Yes, you can have multiple insurance plans simultaneously, such as primary health insurance and supplemental health coverage. This is often referred to as “dual coverage.” However, it’s important to understand how these plans interact, what costs they cover, and any coordination of benefits rules that may apply. Always consult with your insurance providers to ensure you’re maximizing your benefits without overlaps.
When filing a claim with other coverage, the process typically involves submitting claims to your primary insurance first. After the primary insurer processes the claim and determines what they will pay, you can then submit any remaining eligible expenses to your supplemental or other coverage provider for reimbursement. It’s essential to understand each policy’s claims process and requirements to ensure you receive the maximum benefits available.
