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December 12, 2021

General Liability: Employee or Owner Damages Customer Property

Adam Koch

Every business needs general liability insurance that covers property damage so you and your employees can relax, realizing you are covered in the case of damage to your client’s property. Damage can happen easily and be costly if you don’t have this type of insurance.

Consider, what do you do if you own a construction business and one of your employees, while carrying a ladder into a customer’s house, turns around to speak to his coworker and breaks an expensive mirror in the process?

Or, what do you do if you own a drapery business and while measuring for a client’s new drapes, your assistant ends up breaking a window? What if your employee accidentally knocks over a bucket of red paint and ruins a hardwood floor? Who pays for the damage?

If you have general liability insurance that covers property damage to your client’s property, you are safe from financial loss due to expenses resulting from an accident. And even if the customer ends up tripping over the bucket of red paint and causing the damage, your insurance will cover it, too.

Everyone needs general liability insurance with property damage coverage. Koch Insurance Group will help you determine what you need for your business and provide you with all the information you need to help us create the policy you desire.

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