Vehicle Insurance Coverage
Liability Coverage: This covers bodily injury and property damage that you may cause to others while operating your vehicle. It typically includes coverage for medical expenses, lost wages, and property damage.
Collision Coverage: This covers damage to your vehicle resulting from a collision with another vehicle or object, regardless of fault. It helps pay for repairs or replacement of your vehicle.
Comprehensive Coverage: This covers damage to your vehicle caused by non-collision events such as theft, vandalism, fire, or natural disasters like floods or storms. It also typically covers windshield damage.
Uninsured/Underinsured Motorist Coverage: This protects you if you're involved in an accident with a driver who doesn't have insurance or has insufficient coverage to pay for your damages.
Property Coverage: This protects your shop building and its contents against damage or loss caused by covered perils such as fire, theft, vandalism, or natural disasters like floods or earthquakes. It typically includes coverage for your building, signage, fixtures, equipment, inventory, and other business property.
Liability Coverage: This covers legal expenses and damages if your shop is held liable for bodily injury or property damage to third parties, such as customers or visitors, occurring on your premises. It also includes product liability coverage if your shop sells products that cause harm or injury to consumers.
Business Interruption Insurance: Also known as business income insurance, this coverage helps replace lost income and cover ongoing expenses if your shop is forced to close temporarily due to a covered loss, such as fire or natural disaster. It can help you pay bills, employee salaries, and other financial obligations during the downtime.
Hull Insurance: This covers physical damage to the vessel itself, including the hull, machinery, and equipment, resulting from perils such as collisions, grounding, sinking, fire, piracy, or storms. It ensures that shipowners are compensated for repair or replacement costs in the event of damage or loss to their vessels.
Cargo Insurance: This covers loss or damage to goods or merchandise while in transit by sea, air, or land. It protects cargo owners, exporters, importers, and freight forwarders against risks such as theft, damage, contamination, or loss caused by accidents, weather events, or transportation mishaps.
Freight Insurance: This covers financial losses incurred by cargo owners or shippers due to non-delivery, delay in delivery, or damage to cargo during transit. It provides reimbursement for freight charges paid for goods that are not delivered as scheduled or are delivered in a damaged condition.
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