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Since accidents and incidents occur when they are least expected, small businesses should invest in general liability insurance to protect their financial well-being. This type of insurance covers costs associated with customer injury, customer property damage, and advertising injury. USMC Insurance briefly explains why it's crucial for small businesses to get general liability insurance.

Any time an employee operates a vehicle on behalf of their employer, the company is liable for any accidents. For this reason, companies need to have some form of auto insurance. The type of insurance they should buy depends on whether they own, lease, rent, or borrow the vehicle. USMC Insurance briefly explains the difference between commercial auto and HNOA coverage to help companies know which insurance they need.

Accidents happen every day, and without the right protection, they end up costing businesses a fortune and can even put them in a state of financial peril. Without the necessary insurance, any patron who claims an injury on a business's property can file a legal claim. In many cases, they end up being successful and walking away with an excessive amount of the company's money, whether through a successful court case or a settlement deal.

Many companies and organizations have employees driving their vehicles for work-related purposes. Hired and non-owned auto insurance applies to all vehicles that a company hires, such as rental cars and all other vehicles used for business purposes but not owned by the company directly. USMC Insurance writes hired & non-owned auto (HNOA) insurance for all industries, except food delivery services.

Many businesses use vehicles they do not own in their day-to-day operations, including rental vehicles (hired) and vehicles owned by employees (non-owned). Utilization of these vehicles comes with automobile loss exposure many business owners do not realize puts their assets at risk. As a leading provider of hired and non-owned auto coverage, USMC Insurance understands how its programs offer protection against the standard risks.

Underwriting Service Management Co. (USMC) offers bodily injury coverage for businesses. Bodily injury coverage covers long and short-term expenses that could arise after an accident. In the event of an accident, bodily injury coverage will offer financial relief related to medical expenses, legal fees, pain and suffering, loss of income, and in worst-case scenarios, funeral costs.

Underwriting Service Management Co. (USMC) takes pride in offering commercial general liability to business owners that want to be prepared for future situations. USMC's commercial misc. general liability insurance features several different programs tailored to various liability protections. Whether business owners seek a specific type of coverage or a combination of multiple programs, USMC has commercial general liability insurance to meet their unique needs.

Insurance agents working with business owners whose employees frequently need to be on the road for their job know that their clients are often worried about what will happen to their company in the event of an accident. If an employee is involved in an accident with another vehicle when driving a client in a rental car, will they be responsible for repairing both vehicles? What happens if an employee is involved in an accident in their personal vehicle when driving for a work-related venture? Hired and non-owner auto insurance policies underwritten by USMC Insurance can give business owners the peace of mind that they need to send their employees out for a day on the job.

USMC understands that the needs of every company are unique and even within the same industry, coverage needs and limits might vary depending on how each company is structured. As a managing general agent, USMC is proud to offer a host of individualized truck liability insurance options to insurance agents searching for personalized solutions for their clients.

Commercial general liability insurance is a type of broad insurance coverage that protects business owners against liability claims, including damage to a client's property and bodily injury that occurs on a commercial site. As one of the most highly requested commercial coverages, insurance agents and brokers must have a wide breadth of knowledge and products available for business owners who need liability protections. USMC Insurance is proud to help agents and brokers offer the most effective general liability insurance options to their customers.