Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

Even though you do your best to keepyour business premises safe, unfortunate incidents may happen.  A guest or customer to your business may be injured, and with colder weather the number of incidents rises. Your Vargas & Vargas Insurance agent most likely explained that the liability coverage of your Massachusetts Business Insurance policy may cover the expenses related to such an incident. What you may not be aware is that your actions at the time of the incident can determine if legal action is taken by the injured party.  There are however some things to keep in mind in the event somebody is injured on your business premises.

Firstly, be compassionate and courteous to the injured person, even if you suspect the injury may be intentionally deceitful with the intention of making a claim. Make every effort to offer assistance, call for medical assistance or an ambulance if the injury may be serious. Get the individual’s contact details, and take notes about the incident including any conversations with the individual, injuries sustained, and the circumstances. Finally, call your insurance agent and advise them of the incident.

Accidents will happen, and even when the greatest care and concern is shown to the injured party, litigation is a possibility. Protecting yourself with the knowledge of what to do and a Massachusetts Business Insurance policy with sufficient liability coverage could help minimize the liability hit to your business. Call us today at our toll-free number 877-550-0025 to ensure that you and your business are adequately covered.