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What Kinds of Liability Does a Business Face?

All industries have inherent risks, but some workers face greater hazards than others. For example, those who work in construction or warehousing often have to contend with greater dangers in the course of their duties.

Sustaining an injury at work can be scary and overwhelming. If a business has appropriate liability coverage, it might be easier to move forward and receive the compensation you deserve. 

Without the right insurance policy, however, compensation can be an uphill battle. Below, we’ve broken down the five big areas of liability for businesses that operate within these industries. 

Customer Injuries

Construction and warehouse sites are notoriously dangerous. Even an object as simple as a ladder can present a threat of injury. So if a business performs work within a dangerous environment, it must be prepared to protect itself against the potential for customer injuries.

General liability insurance plans typically cover costs like:

  • Funeral expenses in the case of a fatal incident
  • Medical bills
  • Rehab or physical therapy bills
  • Court-ordered judgments
  • Attorney fees

Thankfully, customer injuries are included in most general liability insurance plans. But if the cost or pain of an injury is extreme, the injured customer may still sue for additional compensation.

Customer Property Damage

At a busy facility, there are many moving parts. If those moving parts damage the property of a customer, the bills can quickly get out of hand. Thankfully, this is another area of liability that is usually covered by general liability insurance.

Damaged property can include everything from furniture to vehicles. A strong insurance policy will cover the costs of repairing or replacing the damaged item. 

Libel and Slander

In the era of internet marketing, companies often mass-produce content to bolster their online presence. In the pursuit of its marketing goals, a business may inadvertently copy the slogan or advertising campaign of a rival company. In those cases, a general liability plan should cover the legal expenses.

In addition to copyright infringement, these plans also cover libel and slander. So if a business owner is sued for something that was written or said under the company’s name, they can be financially prepared.  

Product Liability

Product liability is typically an add-on feature for traditional general liability insurance policies. If a business manufactures unique products, it may want to opt for this additional coverage.

While most businesses try to create safe, effective products, errors in manufacturing can occur, causing significant harm. With this kind of liability coverage, a business is able to prepare for worst-case scenarios.

Worker Injuries

Each year, there are over 150,000 reported injuries on construction jobs in the United States. Needless to say, this field of work can be very dangerous—and the resultant injuries can be very expensive. 

Employers have a duty to keep worksites safe. For this reason, it’s legally required for employers to obtain workers’ compensation insurance to pay for on-the-job injuries.

This kind of coverage will take care of everything from immediate medical costs to long-term care costs and lost wages. Fortunately, workers’ compensation insurance can also help to protect employers from expensive lawsuits while providing their employees with the resources necessary to cope with their injuries.

When to Call a Personal Injury Attorney

Construction and warehouse work can be dangerous. In fact, they are amongst the most dangerous careers in the nation. 

With this being the case, it’s wise to speak to an experienced personal injury attorney any time you are injured at work. A qualified attorney can help you determine whether your employer is at fault and whether a lawsuit is appropriate. 

If it becomes clear that a lawsuit is the best course of action, turn to the Law Offices of Frank J. Dito.

Our team represents countless Staten Island clients just like you. If you have been injured at work, give us a call today. We will help you determine the next best steps.