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Liability insurance acts as a protective shield, covering legal and compensation costs if someone sues or claims against your business.
Business Owners
Covers customer or employee lawsuits for bodily injury, property damage, and personal injury.
Professionals
Protects against negligence and mistakes with professional liability (E&O) insurance.
Product Manufacturers and Retailers
Covers claims related to injuries or damages from faulty products.
Employers
Provides liability and workers' compensation insurance for workplace injuries and illnesses.
Landlords and Property Owners
Covers claims from tenants or visitors injured on the property.
Event Organizers
Covers anyone organizing events to cover incidents that might occur during the event, such as injuries or property damage.
Expert Guidance
With Pazcare you can get ailored expert advice to secure the right coverage for your business, recommending liability insurance policies that effectively address your specific risks.
Streamlined Processes
The use of technology helps Pazcare streamline the liability insurance process. Management of insurance policies is easy with the tech support 24x7.
Customized Solutions
One-size-doesn't fit all. Hence, a customized approach is what we offer. Get a liability insurance that addresses the specific risks your business faces.
Comprehensive Support
24x7 claim support and answering any questions about your coverage. This comprehensive support ensures you feel confident and secure with your liability insurance.
Bodily Injury Costs
Property Damage Expenses
Legal Defense Fees
Settlements and Judgments
Personal Injury Claims
Advertising Injury Liability
Medical Payments
Tenant's Legal Liability
Product Liability Costs
Contractual Liabilities
Secure Your Future, Today! ☂️
Why Risk Tomorrow?
In a rapidly changing business landscape, unforeseen challenges await. Secure your leadership, assets, and reputation today.
Peace of Mind
Protect yourself from unexpected legal challenges.
Build Trust
Show stakeholders your commitment to excellence.
Stay Prepared
Equip yourself for the future’s uncertainties.
All you have to do is schedule a call with us. We’ll take it from there.
🤙 Talk to our Business Insurance expert.
🤝 Help our experts understand your business challenges and needs
🧩 We’ll get back to you with the best recommendations.
🙌 You finalize the plan that best suits you.
🌟 That’s it. You are now secured!
The Public Liability Insurance Act, 1991 requires businesses dealing with hazardous substances to have insurance, providing quick financial help to accident victims and promoting safety in these industries.
Dr. Sharma, a dentist, is sued by a patient claiming a procedure was done improperly. The patient demands ₹5 lakhs in damages. Dr. Sharma's professional liability insurance covers the legal fees and any settlement, allowing him to continue practicing.
Professional liability insurance covers claims for mistakes in services, while general liability insurance protects against injuries and property damage from business activities. In short, professional liability deals with service-related issues, while general liability covers physical risks and accidents.
Liability insurance costs are impacted by business type and risk level, size and revenue, location, claims history, coverage limits, deductibles, employee count, and risk management practices. Higher-risk industries, larger businesses, high-crime areas, frequent claims, and lower deductibles lead to increased premiums. Effective risk management can help lower costs.
Liability insurance is usually not legally required, but some businesses need it to obtain licenses, sign leases, or secure contracts. Certain professions, like general contractors, may have legal requirements for coverage. While workers' compensation is mandatory for businesses with employees, general liability insurance is often a standard practice rather than a legal requirement.
Yes, you can get liability insurance that covers past incidents through backdated coverage, but it's rare and usually only for businesses. Most standard policies only cover claims that happen after the policy starts.
If you own a restaurant and part of the roof suddenly collapses, injuring a customer, that customer might sue and even attempt to shut down your business. Liability insurance is crucial in such situations; it protects your restaurant from financial ruin by covering legal costs and damages, helping your business recover instead of falling apart.
Liability insurance is essential for mitigating financial risks, covering claims of bodily injury or property damage, and ensuring compliance with legal and contractual obligations.
Best pricing for you.
Best claim support for your team.
AICPA SOC 2
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ISO 27001
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ISNP
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