Personal And Advertising Injury
When customers, competitors, suppliers or other entities claim that you caused them harm in some way that is not physical injuries or property damages, personal and advertising injury coverage comes into play. For example, if a competing carpet cleaning company claims that you slandered them in a magazine advertisement, they may sue you for restitution. Personal or advertising injury coverage protects against these types of claims and allegations.
Damage To Premises Rented To You
If you rent a business location, such as a retail store front or a warehouse to store your carpet cleaning machinery, rental liability coverage helps protect the building that you use. This coverage is often required before a building owner will rent or lease the property to your company, because it protects from losses to the structure. If, for example, one of your cleaning steam cleaning machines shorts out and causes a building fire, your rental coverage will pay for the repairs.
Your carpet cleaners general liability insurance policy may include additional medical coverage protection that pays for physical injuries regardless of who is at fault. This insurance may be a separate rider or agreement that is dictated by your general liability policy limitations. It is meant to protect you from minor physical injuries to customers so that larger lawsuits and settlements can be avoided.
Limits Of Liability Insurance