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Liability Insurance
Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims.
Liability insurance is designed to offer specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract.
In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. When a claim is made, the insurance carrier has the duty (and right) to defend the insured. The legal costs of a defense normally do not affect policy limits unless the policy expressly states otherwise; this default rule is useful because defense costs tend to soar when cases go to trial.
Who needs Liability Insurance?
Everyone who can be held as negligent in a lawsuit, whether an individual or a business.
Have questions? Please call us at 610-867-6869 or click here to submit the online form and we will be glad to assist you.
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"I have been involved in one way or another with Insurance Companies for 60 years... BUT…NEVER have I had any Insurance Company call me following any kind of a storm and ask if I needed anything. THAT’S DIFFERENT!!!..."
--Dick McAteer, Easton, Pa.
"Ron Martin- not just my insurance guy but now a friend! He is sincere and truly cares about you and the success of my business. Checks in periodically just to see how we all are doing. Insurance buying was never so easy. Thanks, Ron.”--J.& D. Morgan, Monkey's Uncle, Doylestown, Pa.