Understanding the Basics of Gas Station Liability in Connecticut

Owning and running a gas station in Connecticut is a complex endeavor. There are so many different factors that you have to deal with everyday. Knowing the potential damages and liabilities to any or all of those variables are covered by your insurance is key to safely conducting your work. Here is some quick information for anyone looking for a comprehensive CT gas station insurance policy for his or her business.

Liabilities

There are plenty of items and services involved in the gas station industry that need to be covered by insurance because of the potential liability they could cause to you and your business. This includes your building and other infrastructure, your employees, potential crime and more. Gas is of course flammable, which makes it all the more important for you to cover all of the possible liabilities that you can in the unfortunate event of a fire.

Coverage

While all gas stations share at least one service in common, they differ vastly in their amenities. Some stations are known for their large bathrooms and showers while others are renowned for their corn dogs and mini pizzas. No matter what your store offers to its customers, you want to make sure that your coverage matches those unique, potential liabilities in the event of any problems.

Insuring your gas station is important. Knowing that you have the best coverage possible relieves stress so you can focus on running your business.

Cargo Insurance for Semi Truck Owners

Big rig owners carry heavy loads over dangerous roads in all types of weather throughout the year. Along with hours on the road hauling the freight can come risks to yourself and your loads. As a driver or truck owner, you can easily protect yourself from problems with the cargo by purchasing insurance for semi-trucks. Here are a few of the many reasons to obtain the coverage.

Liability Insurance

When you store freight in a storage unit or warehouse, you need to protect the goods and yourself with liability insurance. Your policy can be tailored to meet your needs with specific

  • Provisions
  • Consolidations
  • Blankets

All you need to do is specify the amount of liability you agree to assume.

Cost Protection

The cost of insurance is much less expensive than losing a load of electronics or heavy equipment. With the number of accidents that occur each year involving big rigs, it is essential to protect yourself with truck cargo and freight insurance.

Risk Coverage

How you operate, the loads you carry, and the time you spend on the road are all part of the risk exposure you operate under each day. Communicate any concerns about exclusions or coverage to your insurance broker to create a policy that fits your needs.

Complete Security

To provide adequate insurance for semi-trucks you drive or own, protect yourself with a cargo policy and liability insurance policy. Make the phone call today to better understand what coverage is available.

Why Your Operation Needs USLH Coverage

Chances are that if you operate any type of business then you are familiar with workers’ compensation policies and the need to protect your company if claims arise. However, if your business – or even just a single project – operates near a waterway then you may be required to have coverage under the USL&H act. The United States Longshore & Harbor Act provides coverage to employees that are working in certain maritime conditions.

Understanding Differences

Scenarios covered by USL&H are typically excluded in a standard workers’ compensation policy. USL&H also does not cover seamen on a flagged vessel, as this falls under regulations of the Jones Act. It applies to other employees that are working on or over navigable waters. Below are just a few examples of areas where this will apply:

  • Shipbuilding
  • Ship repairing
  • Marine manufacturing
  • Marine construction
  • Marinas
  • Boat dealers
  • Dockworkers

It is important to note that certain facilities are excluded even though they may be on navigable waters. This includes recreational operations such as country clubs or resorts.

If your company is doing work on or near a waterway, it is essential to understand the laws that protect your workers. It can be costly to ignore these regulations and not have insurance to properly protect your business.

How the United States Long shore and Harbor Workers Compensation Act Protects Employees

Maritime work can be difficult, and many tasks require skill and training. Injuries that occur may not be covered by standard insurance programs because of their nature or where the work is performed. To understand how you can protect both your business and workers, you should conduct research into the United States Long shore and Harbor Workers Compensation Act (USL&H).

What Is the USL&H?

The USL&H is a federal law that is designed to cover gaps in protections for employees performing work on open water. Basically, it serves to protect maritime workers who perform tasks on the navigable waters of the United States. It also covers work performed in adjoining areas like docks or terminals. Companies with marine employees must carry coverage to comply with the United States Long shore and Harbor Workers Compensation Act. Failure to do so can result in a penalty of up to $10,000 or possibly imprisonment.

What Benefits Does It Provide?

When an injury to a worker happens on navigable waters, they are covered by the USL&H. Costs associated with medical care, rehabilitation services and lost wages can be compensated. It also has provisions for survivor benefits to be paid if an injury results in the death of a worker.

Having appropriate insurance coverage can help you avoid costs associated with medical care and fines. At the same time, it can ensure that your workers receive the care and wage replacement they are entitled to in the event of an injury.

Why Insurance Agents Need EO Coverage

If you work as an insurance agent, you need to have errors and omission insurance in case an incident occurs. Here is why e&o is necessary to have in case you make a mistake or are otherwise sued by a client.

Coverage in Case You Make Mistakes

Mistakes happen in just about any job. By having e&o insurance for insurance agents, you can protect yourself in case you leave out important information when working with your client. Your client might sue you or otherwise have issues if there is a mistake. By having the right type of insurance coverage, you can avoid these types of problems.

Protection for Different Types of Insurance Agents

Regardless of what type of insurance agents you are, there is coverage that can help you. This includes health insurance agents, life insurance agents, and property and casualty agents, to name a few. If you are worried about e&o not covering your specific line of work, know that there are varying areas that e&o can cover.

If you are an insurance agent, know that there is protection for all different types of insurance agents. Having coverage in case you make mistakes can help protect you in the event you are sued or there are other problems with your client.