Kansas Business Insurance

Hiscox knows that even an insurance agent needs insurance for their business. And just as an insurance agent makes sure that their clients are protected against risk, Hiscox makes sure that insurance professionals are protected against the risks associated with being a small business owner in Kansas.

Typically, an insurance agent in Kansas will want the protection of professional liability insurance, also known as errors and omissions insurance. Professional liability insurance would protect an insurance agent if, for example, a client instructs the agent to purchase a policy and gives the agent a check for the premium, but forgets to bind the policy with the carrier. If the uninsured client is later involved in an accident, they may demand that the insurance agent pay for the loss. 

In addition, general liability insurance can protect an insurance agent against a third party's claims of damage to property, bodily injury, and associated medical costs, such as a claim from a client who slipped and fell in the insurance agent's office. 

Whether they specialize in cleaning private homes, businesses or manufacturing plants, Kansas's janitorial and cleaning services operate at a level of risk every day. They handle delicate and expensive items, they work on-site at customers' offices and homes, they operate cleaning equipment owned by clients, and they use harsh chemicals. Even baseless liability claims can drain a business's assets, so Hiscox specializes in providing tailored coverage that ensures that cleaning professionals are confident and protected against potential litigious situations.

General liability insurance, which protects against a third party's claims of bodily injury or property damage, is the most common policy used by janitorial and cleaning services. Protection against bodily injury might be needed, for example, if a client trips over an employee's mop and breaks an arm. Even if the client's injuries don't seem to be the employee's fault, the janitorial business can still be held liable for the cost of the client's medical care. In another scenario, an employee of the cleaning service might be dusting a client's home and accidentally break an antique figurine. The customer may demand that the cleaning service pay for the cost of replacing or repairing the antique. General liability insurance also protects against claims of personal injury, such as if an employee is overheard gossiping about a client, who then sues the business for slander.

A handyperson in Kansas will serve a wide variety of clients in a range of settings, from other business's storefronts to private homes or prestigious corporate offices. Dealing with others' personal property every day brings a heightened liability risk that can benefit from custom, comprehensive small business insurance, and an insurance policy inspires confidence in clients when they're deciding which company to hire for a repair or improvement project.

Most handypersons choose the protection of general liability insurance, which offers several essential benefits. Because it protects against bodily injury, the handyperson's business will be protected if, for example, an elderly client trips over the handyperson's ladder, falls and breaks a hip. The policy will cover the costs of the client's medical care. Because it protects against property damage, it will cover the costs of any items that may be broken if, for example, an employee knocks over a valuable lamp or painting. And because it protects against personal injury, the business will be protected if, for example, an employee on his coffee break is overheard gossiping about a client in a false and unflattering way and the client subsequently hears about the discussion and sues for slander. In those cases, the policy will cover the resulting claim and pay for a defense attorney when necessary.

With services that might include offering managerial advice, maintaining confidential information, and recommending financial plans and investment strategies, the job of a business consultant in Kansas is a sensitive one, so it can benefit from comprehensive small business insurance coverage.

Professional liability insurance, also called errors and omissions insurance, covers claims against businesses that provide professional and personal services, such as a business consultant. It offers protection even in cases where the business consultant hasn't made a mistake. For example, if a business consultant advises a client to change some internal process to increase productivity, and the client does not implement the recommendations exactly as specified. Productivity subsequently drops instead of improving, prompting the client to sue in an attempt to recoup the financial loss. A Hiscox-obtained defense attorney would defend the business consultant against this baseless claim of negligence, and the policy would cover any settlement or judgment.

General liability insurance, which protects against claims of bodily injury or property damage, protects business consultants in their office or on the road. If the consultant accidentally knocks over an expensive vase while visiting a client's office or if a client visiting the consultant's office trips, falls and sustains an injury, a general liability insurance policy will cover the costs of medical care or property repair or replacement.
 

Personal trainers in Kansas might help clients recover after injuries, train for competitions, or simply get in shape. As personal trainers know well, training is a physically demanding and sometimes risky activity. Whether it's an injury sustained during a workout or chronic pain that might start occurring after sessions, the risks that come along with any fitness regimen may prompt litigious clients to file liability claims, even when their personal trainers have done nothing wrong.

Professional liability insurance, also called errors and omissions insurance, which covers claims against businesses that provide professional and personal services, will offer protection even in cases where the personal trainer hasn't made a mistake. For example, if an older client happens to suffer chest pain and has to be rushed to the hospital after a session with a personal trainer, he may later claim that the personal trainer's actions caused his heart attack and mental anguish. Not only will a Hiscox professional liability policy appoint an attorney to defend against such claims, but it will also cover the costs of any settlement or judgment.

In addition, the physical nature of a personal trainer's business can use the protection of general liability insurance, which protects against claims of bodily injury or property damage. This would protect the personal trainer's business if, for example, a client trips over an exercise ball and blames the trainer for not keeping the floor clear.
 

General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

• Bodily injury: A customer comes into a retail store on a rainy day and slips on the tile floor, breaking their wrist. The store owner is liable for the medical costs associated with the customer's injury, but could be protected by a general liability insurance policy.
• Property damage: A realtor is showing a client a home that contains a lot of expensive antiques. During the showing, an expensive vase is broken. The realtor's general liability policy could cover the cost to replace the vase.
• Data loss: An IT consultant is installing a new network at a client's office. While transferring the data from the old server to the new one, several important files are corrupted. The client sues the consultant for the financial implications of the lost data. A general liability policy could cover these costs, protecting the IT consultant.

Learn more about general liability insurance costs to make a smart and forward-thinking decision for your business.

Professional liability insurance, also known as errors and omissions insurance (E&O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

• Dissatisfied client: An architect designs a large-scale home renovation for an indecisive client. After the project is complete, the client sues the architect for failing to meet the deadline and budget, despite the fact that the overages were due to multiple change requests by the client. A professional liability policy could protect the architect, paying his defense costs as well as any settlement or judgment.
• Negligence: The client of a home healthcare aide is hospitalized with an infection, which the client's family says was caused by wound dressings that were not changed frequently enough. The family sues the aide. The costs could be covered by the aide's professional liability insurance policy.

Learn more about professional liability insurance.