Winter can be a time for many fun activities. From sledding to skiing to ice skating, the cold weather can help create the scene for these enjoyable outdoor memories.
However, the snow and ice can also create hazardous conditions. For example, they can lead to slip and fall injuries occurring on your property. These accidents could then result in costly medical bills or lawsuits. Securing liability insurance could offer you financial protection if these unfortunate events arise. The agents at Heritage Insurance can discuss your potential exposures and assist you in finding insurance that meets your needs. Contact us today for more information.
Liability Insurance
Liability insurance may provide coverage in the event you are deemed responsible for someone’s bodily injury on your property. For example, if your sidewalk remains uncleared for an unreasonable amount of time after a winter storm, and an individual slips and falls while walking on it, you may be held liable for the injuries sustained. Having liability insurance may help pay for the medical expenses that arise from these situations. It may also help pay for legal fees, including court costs, settlements and judgments.
Depending on whether you seek personal insurance or commercial insurance, different types of liability coverages are available. Additionally, securing umbrella insurance can add another layer of financial protection as it can provide coverage if a claim exceeds your liability policy’s limits. The agents at Heritage Insurance can discuss these options with you and review deductibles, exclusions and limits.
Risk Management
While determining legal liability is up to the court system, risk management techniques can help reduce the risk of injuries. For instance, some ways to reduce your exposures may include:
- Monitoring the weather conditions and being prepared for winter storms
- Properly clearing the snow and ice from your sidewalks in a timely matter following a storm
- Regularly checking your sidewalk’s condition to ensure it remains free of snow and ice
What Does Liability Insurance Cost?
The cost of liability insurance varies. Factors such as your selected limits, deductibles and claims history could all impact the premiums.
The professionals at Heritage Insurance help you find coverage that fits your needs and budget, and we can answer questions regarding liability insurance. Call us at 800-350-7700 or visit our website for more information or a quote.
