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Liability insurance is the part of an insurance policy that protects the insured from expenses as a result of a claim filed by another party. If you are found to have caused an accident or are otherwise responsible for harm to another person or their property, your costs will be covered up to the limits of the policy offered by an insurance agent. Jenkins & Bevan Insurance in Amherst, OH, will make sure you get the right amount of liability coverage for your needs.

Here’s what you should understand about liability insurance:

  • It’s Required for Auto Insurance Policies: As part of the responsibility of operating a motor vehicle, every state in the country requires you to carry liability insurance to cover the costs of an accident for which you are at fault.
  • Mortgage Companies Require Home Insurance: Most mortgage companies require home insurance as part of buying a home. These policies include liability insurance to cover the cost of injuries that may occur on your property and for which you are judged to be at fault.
  • ohio liability insuranceYou May Need Umbrella Insurance: Some people have many assets that would make them tempting targets for lawsuits. To protect themselves, they carry umbrella policies. These policies will add to the liability limit you have, usually in excess of $1 million, for extra coverage when you need it.
  • Businesses Need Liability Insurance: Business owners are required to carry liability insurance to cover them in workman’s compensation actions. Liability insurance also covers claims of negligence or failure to perform when it comes to products and services. 

Liability insurance is a crucial part of your coverage to ensure your financial stability. To learn more about getting the coverage you need, call Jenkins & Bevan Insurance in Amherst at (440) 984-6771 or visit their website

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