Gas Engineer Liability Insurance
General liability insurance for gas engineers is the most common form of liability coverage, and where general liability insurance differs from other kinds of coverage is in what type of claims it covers.
General liability insurance will kick in if you’re liable for injuries or property damage sustained by a great range of parties that are involved with your business activities. For example, general liability protects your gas business from any lawsuits from members of the public (in this case, your customers) who are injured or had their property damaged on the premises of your business. It also provides protection from lawsuits coming from other business owners, vendors, contractors, and more.
Personal injury claims and property damage claims aren’t the only exposures your business might face. That’s why general liability insurance has optional policies such as:
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Advertising injury coverage
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Rented premises liability coverage
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Products and completed operations coverage
Someone might sue you for slander, libel, copyright infringement and reputational harm. In connection, the purpose of advertising injury coverage is to pay for your defense costs and compensation to the aggrieved party.
Rented premises liability coverage, on the other hand, will be useful if you’re renting a commercial space. The job of this optional policy in general liability insurance is to cover costs when the rented commercial space gets damaged and the landlord demands you reimburse his losses.
Your service might cause damage or personal injuries to a client after a project was completed. The function of products and completed operations coverage is to cover personal injury claims and property damage claims past clients filed against you.
Note that not only you benefit from general liability insurance but also civil engineers, electrical engineers, structural engineers, and mechanical engineers.
Public Liability Insurance for Gas Engineers
Most smaller gas engineering businesses tend to purchase public liability insurance instead of general liability because they only need to be covered from personal injury claims and property damage claims from third parties.
Where public liability differs from general liability is in its limited coverage. First off, public liability insurance only covers personal injury claims and property damage claims from members of the public. But what does the term “members of the public mean” anyway?
A member of the public is essentially anyone who isn’t employed by your business. For example, this kind of insurance will apply to your customers and even people employed by other companies who are on the premises of your business. For example, if someone comes to deliver some tools and ends up getting hurt, they’ll be covered by your public liability policy.
Going back to the topic, another reason why public liability insurance is less comprehensive than general liability insurance is that you can’t add optional policies to it. Public liability insurance is already as it is. On the other hand, you can upgrade general liability insurance so that it provides coverage against more exposures.
Professional Liability Insurance for Gas Engineer
Sometimes, your work might not meet the expectations of some clients. As a result, they’ll have to spend money to correct some of the output you provided. You’re lucky if you work with clients who understand that mistakes sometimes happen But if not, expect someone to sue you for negligence or errors and omissions.
General liability insurance doesn’t cover claims filed because of alleged negligence or errors and omissions. Instead, the insurance policy that will help is professional liability insurance. Professional liability insurance covers defense costs and settlements if you’re being sued for negligence, misrepresentation, violation of good faith, and other acts constituting errors and omissions.
