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14 Jan Window Washers Liability: Protect Yourself from Claims Related to Advertisements
Insurance for Window Washers
Independent contracting and small businesses are on the rise in the United States. If you work for yourself or own a business with few employees, it can be difficult to find adequate coverage for all of the various aspects of your business. Whereas larger corporations have permanent lawyers on staff, you have to protect yourself from liabilities in other ways; an increasingly common and effective method of ensuring that your business and financial assets are protected is through excess liability coverage. This is especially true if you offer services that have direct physical risks to people or property, such as in the window washing business, but it is just as true for other liabilities such as libel or copyright infringement. Every aspect of your business, services, and actions as a proprietor or contractor has to be covered, and one of the most overlooked facets of business liability is advertising injury.
What is advertising injury coverage and what does it have to do with your window washing business?
Advertising injury coverage is in addition to standard commercial general liability insurance. While general coverage protects you to some degree in terms of personal injury liability, which includes injury done to the body, emotions, or mind of another person, its generalized and wide scope can be insufficient for protecting you in regards to a copyright infringement or slander claim. This coverage specifically covers you for claims and alleged offences that have to do with the advertising of your goods and services. Window washing services in particular rely on word of mouth and a good reputation to get additional clients. Referencing a previous client in advertising as proof of your experience and the quality of your services without their consent can result in lawsuits and months of legal action.
Having excess liability coverage that specifically targets advertising injury claims gives you additional security and time to focus on your business itself. If you’d like to learn more about why Evolution Insurance Brokers is a preferred provider for window washing contractors and small businesses, please contact us. We’re here to help you find the right elements of coverage for your business’s array of services, coverage requirements, and insurance concerns.