What kind of liability insurance should a company have to protect itself from burn injury lawsuits?
Businesses in California should have liability insurance to protect themselves from lawsuits related to burn injuries. Common types of liability insurance that a company might choose to purchase include Commercial General Liability Insurance, Professional Liability Insurance and Product Liability Insurance. Commercial General Liability Insurance covers claims related to property damage and bodily injury, including burns, caused by the company’s business activities. Professional Liability Insurance provides coverage for claims resulting from negligence in the provision of services and Product Liability Insurance covers claims related to injuries resulting from the use of a product that the company manufactured or distributed. Businesses should also be aware that some businesses may need specialized liability insurance policies to cover the risks associated with dealing with hazardous materials and other dangerous products. For example, businesses that deal with hazardous materials and flammable substances may need to purchase a specific policy to cover the potential of burns resulting from those materials. No matter what type of insurance a business has, it is important to have an experienced and qualified liability insurance attorney review the policy. This is because insurance companies may try to limit their liability and may not pay for all of the damages associated with burn injuries. Having an experienced attorney review the policy can help make sure that all of the risks associated with a burn injury lawsuit are covered.
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