When an accident occurs in your office in Bethlehem, Pennsylvania, you may worry about the possible liability implications. The injured parties may decide to take your business to court as a result of a lift accident. Since the accident may have caused major injuries or even stolen the life of an individual, the situation is worrisome to any business owner. Fortunately, commercial insurance covers liability in case accidents occur in your office.

Basics of Liability

In many cases, you will be covered if an accident occurs in your office or the building where your office is located in Northampton County due to the liability protection. Even if you are not responsible for the maintenance of the lift, the injured parties might attempt to sue your company due to the injuries and their reason for being in the lift at the time of the accident.

Liability protection will help pay for the medical expenses and legal costs if you face a court case as a result of the situation.

Possible Variations in Coverage

Although many companies will provide some basic liability coverage, the amount that you have and the situations that are covered will vary. In some cases, you may be fully covered. Other insurers may provide only partial coverage or have exceptions that prevent you from making a claim. Contact your insurer if you are not sure about the specific exceptions so that you can gain an explanation if you do not know if the situation is covered.

Commercial coverage is designed for the needs of businesses. As a result, you may be covered when accidents occur in or around your office. To learn more about commercial coverage, contact us to talk to an independent agent.