The Employers liability Insurance is basically designed for covering the employees. There are times when they fall a prey to any physical injury or untimely death and it gets proved that it was because of the negligence on your part as an employer that the accident occurred and thus you may have been able to prevent this loss that they underwent. In such cases, if the affected employee decides to pursue you, the employer for the compensation, it is the insurer who will then pay for the cost of those compensation claims. The indemnity insurance is not actually designed for covering you against any risks regarding being sued of the compensation claims by the employees like wrongful discrimination and sexual discrimination.

This insurance policy actually enables your business to effectively meet all the costs of the legal fees along with the compensation claims for the employees who are either injured or suffer any ailment due to negligence on your part as an employer. It is important that you know that the employee who is injured by the accident can also seek the compensation irrespective of the current status of your business. That is to say, even if your business goes in receivership or liquidation, the injured employee is liable to claim compensation and you will have to abide by the law. So, you need to be well aware that the Employers Liability Insurance is basically concerned with the covering of the losses that your employees may undergo because of your fault. The compensation that they earn in such cases enables them to live their life while they are at home and unable to work. The compensation amounts though largely depend on who was at fault when the accident occurred, the employer or the employee.

Mainline Insurance provides you with at least 4 formal insurance quotes. Everything you need to know about your policy will be discussed.. Main Line Insurance strives to be relationship specialists providing you with the total insurance solution for all your needs.

Located in beautiful San Diego, California serving the States of California, Florida and Texas. With General Liability Insurance, Commercial Auto Insurance, Worker Compensation, Construction Bonds, Exess Liability Insurance, Commercial Property Coverage, and Group/ Individual Healther Plans.

Of the myriad types of insurance policies available, liability insurance is right up there in popularity, primarily because it is less expensive than other insurance. For instance, when it comes to auto insurance policies, liability insurance costs are distinctly less than full coverage. Full coverage insurance covers for both vehicles involved in the collision, in addition to the medical expenses and property damage due to injuries to you or another party. Liability insurance, on the other hand, is accountable for only the other party’s damages. Though you and your property are not protected under the coverage, liability insurance guards you from being responsible for other people’s losses.

There are various types of liability insurance, including general liability that works in the same way as auto liability insurance, but deals with businesses. General liability covers clients from third-party claims. Liability insurance is intended to offer protection against claims by the third party, i.e., payment is not given to the one insured, but to the person suffering the loss and who is not a party to the insurance. Usually, liability insurance policies do not cover contractual liability or damages that are caused deliberately. When a claim for damages is put forward, the insurance carrier can exercise its right to defend its client. Policy limits do not affect the legal costs.

Liability insurance is when you cover any visible or possible liability that you may have with proper insurance. When businesses or commercial establishments purchase insurance to cover their liabilities, it is called as commercial liability insurance.

One has many options of applying for commercial liability insurance. However it is the insurance company that, by using their underwriting standards, determines if the business is eligible for insurance and for how much. The insurance companies have classifications on businesses, and any new commercial liability insurance has to fall in one of those classifications. This means that even a company with a totally clean record might still have to pay a high premium for commercial liability insurance.

You are required as a matter of law in the State of California to maintain liability insurance with limits of no less than $15,000/$30,000 if you are operating your motor vehicle on public roadways. Your failure to maintain liability insurance could not only impact your ability to register your vehicle with the Department of Motor Vehicles, it could subject you to significant monetary fines in the event your are cited for driving without insurance. An additional, little known consequence of driving without liability insurance is that you forgo your right to pursue damages for pain and suffering in the event you are involved in an accident caused by another.

A short time ago, California voters passed Proposition 213. This Proposition had the effect of barring one involved in a motor vehicle accident from asserting a claim for general damages (pain, suffering, emotional distress and loss of quality of life), if that individual was driving without insurance at the time of the accident. Proposition 213 has no effect upon one’s right to assert a claim for special damages (medical expenses, loss of earnings, and property damage).

The consequences of Proposition 213 are significant for anyone involved in a serious accident. If you are driving uninsured and involved in an accident caused by another your right to recovery in a personal injury action will be limited. Perhaps this point is best illustrated by way of example. First, lets consider Deborah, a 23-year old woman who inadvertently allowed her insurance to lapse and who was involved in a head-on collision after the operator of an approaching vehicle lost control and crossed the center median directly into her lane of traffic. Deborah suffered significant injuries including facial lacerations resulting in permanent scarring, a crush injury to her right ankle that required open reduction internal fixation with instrumentation that left her with a permanent limp, and a non-displaced fracture of her right wrist which left her with continuing pain. Proposition 213 allowed Deborah to recover the cost of her medical expenses including the surgeries she required due to the severity of her injuries. Deborah was also permitted to recover the $19,000 in loss of earnings she experienced by virtue of being out of work for 7-months due to her injuries and need for rehabilitation. Deborah was also permitted to recover the cost of repairing her vehicle which sustained significant damage in the accident. Deborah however, was barred from recovering anything for her pain and suffering. She was also barred from recovering anything for the shame she has had to endure due to the facial scarring she was left with. Further, she was barred from recovering anything for the fact that her ankle injury left her unable to partake in many of the activities she enjoyed before (e.g. snow boarding, dancing, surfing, etc.). These claims, in Deborah’s case, had significant value however, the fact that she was uninsured at the time of the accident precluded her recovery.

Next, lets consider Amy, a 31-year old woman who too was involved in a serious motor vehicle accident and who, like Deborah, was uninsured at the time. In Amy’s case, she was stopped at an intersection when rear-ended by another vehicle operated by a distracted driver who failed to recognize that traffic in his lane had stopped. The impact to the rear of Amy’s vehicle was significant. By all accounts, the distracted driver was traveling somewhere between 45-50 mph at the time of impact. When struck, Amy’s body was violently forced up against her seat back. The force of impact however, was so significant that in the process, Amy’s vehicle was pushed forward into the rear of the vehicle before her. This second impact forced Amy’s body forward directly into her steering wheel. Amy’s vehicle was older and did not come equipped with airbags. The injuries sustained by Amy were, but for a whiplash injury, all internal but not initially believed to be significant. They were however, in the opinion of her physicians, sufficiently significant such that they would likely preclude her from having any children in the future. Amy’s medical expenses were covered however, Proposition 213 barred her from recovering anything for her claimed inability to conceive.

If nothing else, these two examples make clear that the consequences of driving without insurance can be significant if involved in an accident. If driving without insurance and you are the cause of an accident, you could be personally liable for all of the damages (general and special) suffered by anyone injured as a result of your negligence. It is therefore imperative that you maintain an active policy of liability insurance anytime you are driving on public roadways.