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Home > Blog > How to Choose Liability Insurance if You Work with Clients’ Equipment
THURSDAY, SEPTEMBER 24, 2020

How to Choose Liability Insurance if You Work with Clients’ Equipment

 

liability insurance for clients

 

As a business owner, having proper general liability insurance is critical. It helps ensure your business remains protected from a variety of risks. One key risk occurs when you maintain your customer or client’s equipment or other possessions. In this case, having enough liability insurance is important. How much you maintain depends on a variety of factors. 

 

Why You Need More Coverage 

 

Let’s say you are a mechanic. You store numerous vehicles on your lot for your customers. To make repairs, those vehicles sit in garages or on lifts. Mistakes can happen at any time. If your customer’s property has any damage to it, you could be responsible for it. 

 

Let’s say your business repairs equipment for others. If you take possession of that equipment, even for a small amount of time, you may be responsible for its well-being. If an accident happens, and the owner’s property suffers damage, you could be responsible for the damage. 

 

What to Do to Protect Your Company 

 

Property damage liability incidents can occur to any business. Any time you take possession of your customer’s belongings, you should take a careful look at your general liability insurance. Be sure it is enough to cover these assets from risks. Here are a few examples. 

 

  • Employees may cause damage to the property. You may be responsible for repairs. 

  • Another customer may cause damage to the property. 

  • Someone may steal the customer’s property. 

  

There are many ways that damage can occur. It is up to you to have enough general liability insurance in place to minimize those risks from costing you.  

 

General liability insurance can cover many of these damages. You can file a claim with the insurer. They will handle the process for you. This includes working with the customer to ensure they have the financial recourses owed. 

 

Keep in mind that you should work with your business insurance agent here. Be sure you carry enough general liability insurance. Make sure you have necessary enhancements or specific coverage added to your policy, if needed. It should be enough to cover the valuables and other property you maintain for your clients.  

 

Consider the value of the property on your location now. Do you have enough liability insurance in place to protect you from claims related to damage to it?

 

 

Posted 4:15 PM

Tags: liability insurance, business insurance, general insurance,
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