A primary policy is the first policy to respond to a loss or claim. An excess policy is the second policy that responds to the same claim or loss and essentially sits “on top” of the primary policy. Umbrella Insurance is a common type of an excess policy. An Umbrella Policy is considered secondary coverage, meaning that any claim must exceed your primary policy’s limits of liability before the Umbrella coverage kicks in.
Health insurance covers injuries or illnesses that happen off the job, but most employers are required to have workers compensation insurance to cover their employers when an illness or injury happens at work.
You know you need business insurance to protect against claims and lawsuits. But what kind? You’ve heard about general liability insurance and professional liability insurance, but what’s the difference? It’s confusing. Here’s what you need to know.
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