This guide provides all the essential information to help you understand our General Liability Insurance plans and secure the coverage that best suits your needs. It also outlines clear steps to guide you through the process of getting started, including the claims process and other important reminders.
Here are quick links to the sections in this guide:
- Choosing of Our General Liability Insurance Plans
- Our Role as Your Trusted Partner
- General Liability Options
- Inclusions and Exclusions
- Extensions
- Applying for General Liability Insurance
- Making a Claim
- Key Reminders for Policyholders
- General Liability Insurance Providers
- Contact Information for Inquiries and Support
Choosing Our General Liability Insurance Plans
Obtaining your General Liability Insurance Policy through Reliable Insurance Brokers comes with significant advantages. Our expertise ensures that you get the best possible coverage, backed by our commitment to exceptional service.
- Comprehensive Coverage: Enjoy extensive coverage, including third-party bodily injury and property damage protection. Our tailored approach ensures you receive the coverage that best fits your business needs.
- Access to Multiple Insurance Providers: As a trusted broker, we partner with a network of accredited insurance providers to give you the best options available. This allows us to offer you competitive rates and a range of coverage choices suited to your business.
- Tailored Solutions for Your Business: Policies are customized to meet the specific risks associated with your industry, whether in construction, retail, or professional services, ensuring the right level of coverage.
- Ease of Process: We simplify the insurance process, making it easy for you to understand your options and select the best plan. Our experts handle all the paperwork, ensuring a smooth and hassle-free experience.
- Representation and Support: We represent you to the insurers, advocating for your best interests. Our role extends beyond choosing the right coverage; we also manage your policy and provide ongoing support.
- Emergency and Claims Assistance: As our valued client, you receive dedicated assistance during emergencies and claims. Our team is available to help you navigate the claims process and ensure you get the support you need when it matters most.
Our Role as Your Trusted Partner
At Reliable Insurance Brokers, our goal is to make navigating the complexities of General Liability Insurance straightforward and stress-free, ensuring your business is protected from unexpected third-party claims and liabilities. From property damage to customer injury that could lead to costly lawsuits, we help safeguard your business and reputation.
From the moment you contact us, our team of experts is by your side. We start by understanding the details of your business operations and any specific risks you face. Based on that, we recommend personalized General Liability Insurance options from our network of trusted providers.
Once you choose the coverage that suits your business best, we handle all the paperwork and ensure everything is processed smoothly. But our service doesn’t stop there—we’ll also make sure you fully understand your policy and feel confident in your coverage. Our process is designed to be seamless, so you can focus on running your business, not dealing with insurance complexities.
As your trusted General Liability Insurance partner, we provide expert guidance, secure the most suitable coverage options, and offer ongoing support throughout your coverage. With Reliable Insurance Brokers, you can operate your business confidently, knowing that you’re covered by a team dedicated to protecting what matters most.
General Liability Insurance Options
At Reliable Insurance Brokers, we recognize that every business is unique, which is why the General Liability Insurance policies we offer can be customized to align with your specific needs. We work with you to ensure the coverage reflects the challenges and exposures of your business, whether you operate in a high-risk industry or manage a specialized operation requiring tailored protection.
These policies are designed with flexibility in mind, allowing for adjustments that suit your specific business operations. With the ability to fine-tune various aspects of the policy, you can be confident that the coverage you select is tailored to safeguard your business against the risks it faces.
Inclusions and Exclusions
Understanding what is covered in your General Liability Insurance policy is crucial for ensuring that you have the right protection. Below are typical inclusions and exclusions across our plans:
Inclusions:
- Third-Party Bodily Injury: Coverage for legal liability arising from accidental bodily injury or death caused to any third party due to your business operations.
- Third-Party Property Damage: Provides coverage for accidental damage to third-party property as a result of your business activities.
- Costs and Expenses: Coverage for costs and expenses incurred with the written consent of the insurance company, including legal fees, investigation costs, and settlement negotiations.
- Cross Liability: Each insured party is treated as a separate entity, allowing for claims between insured parties under the same policy.
Exclusions:
- Employee Injuries: Claims related to injuries sustained by employees are not covered under General Liability and require Workers’ Compensation Insurance.
- Pollution and Contamination: Claims arising from pollution, contamination, or discharge of pollutants are excluded unless specifically endorsed.
- Asbestos and Lead Exclusions: Coverage does not apply to claims related to asbestos or lead exposure or damage.
- Professional Liability: Claims arising from errors, omissions, or professional advice are excluded and require a separate Professional Liability Insurance.
- War, Terrorism, and Sabotage: Losses caused by war, terrorism, or sabotage are not covered.
- Punitive and Exemplary Damages: Any punitive damages or exemplary penalties are excluded from coverage.
- Cyber Exclusions: Any claims related to cyber incidents, including data loss, system failure, or cyberattacks, are excluded.
- Products Liability: Claims related to products sold or distributed by the insured are not covered.
Extensions
Product Liability
For businesses involved in manufacturing, distribution, or retail, Product Liability coverage can be added as an extension to General Liability Insurance.
This extension covers liabilities arising from defective products that may cause third-party bodily injury or property damage after the sale.
With Product Liability, you’re protected from risks associated with product-related claims, adding an essential layer of security to your general liability coverage.
Applying for General Liability Insurance
Our simple application process makes it easy to request information and quotations for the coverage you need. Simply follow these steps:
- Request a Quote or Consultation: Learn more about the coverage options with the help of our brokers. We will provide you with personalized recommendations and detailed insurance quotations, including coverage, premiums, deductibles, and other relevant details. Below are the ways you can get started:
- Call or message us: Talk to us directly to learn more or ask any questions. Call or message us at (Landline) +63 2 8631 9285-86; (Mobile) +63 917 138 5120; FB Messenger.
- Online Form: Request a quote using our online form for a quick and convenient way to get the information you need: Business Insurance Quote Form
- Book an Appointment: Schedule a consultation or visit with one of our brokers for personalized assistance: Appointment Form
- Complete Your Application: Once you agree with the quotation, complete the provided application form and submit it along with any required documents. Our team will assist you in ensuring all paperwork is correctly filled out and submitted. Then, you will await the approval of your application and the issuance of your insurance policy.
- Receive Your Policy and Ongoing Support: Upon approval, you will receive your insurance policy along with a schedule of premium payments. Our team will guide you in making your payments through various options, such as post-dated checks (PDCs), bank deposits, or G-Cash. Once your policy is active, you can rely on us for ongoing support and assistance with any claims or emergencies.
Complete Guide: For more detailed steps and additional information, refer to our Complete Guide to the Reliable Application Process.
Making a Claim
Our simple claims process ensures you can get the support you need quickly and efficiently when it matters the most. Follow these steps to initiate your claim:
Required Documents:
- Required Claim Form: A fully completed form the insurer requires to initiate and efficiently process your claim.
- Incident Report: A comprehensive report outlining the details of the incident, including any third-party involvement, if applicable.
- Photographs:Visual evidence of any damages or injuries related to the claim.
- Third-Party Correspondence: Any letters, legal documents, or notices from the third-party claimant regarding the incident, if applicable.
- Invoices or Estimates for Repairs:Documents outlining the cost of repairs for any third-party property damage or losses
Claims Process:
- Report Your Claim: Report your claim by calling or messaging +63 917 175 9028, contacting us via FB Messenger, or using our Online Claim Report.
- Complete Claim Requirements: Gather the necessary documents. Our Policy and Account Manager (PAM) will help you collect and organize everything needed to ensure your claim is completed successfully.
- Submit Required Documents: Submit all required documents to us. We will forward them to the insurance provider for review and approval. Payment or reimbursement will be processed according to your policy terms.
Complete Guide: For more detailed steps and additional information, refer to our Complete Guide to the Reliable Claims Process.
Additional Provisions for Claims Settlement:
To ensure smooth and efficient claims processing, we have outlined specific provisions that need to be adhered to:
- Timely Reporting: Promptly report any incident within the specified timeframe to initiate the claims process without delays.
- Accurate Documentation: Ensure all required documentation is complete, accurate, and submitted promptly for faster processing.
- Comprehensive Reporting: Provide detailed accounts of incidents, supported by police reports, medical records, and photographs as necessary.
- Preservation of Evidence: Retain any damaged goods or supporting evidence until the claim is fully processed and settled.
- Professional Estimates: Secure clear and professional estimates for repair or replacement of damaged items, ensuring all documentation is thorough and detailed.
- Open Communication: Stay in regular contact with your Policy and Account Manager (PAM) to receive updates and guidance throughout the claims process.
- Compliance with Policy Terms: Ensure all claims adhere to the terms, conditions, and coverage limits outlined in your insurance policy.
- Adherence to Legal Requirements: Follow all relevant legal guidelines, including obtaining necessary permits, and certifications, and complying with any regulations tied to the claims process.
By adhering to these provisions, you can help ensure that your claim is processed efficiently and in accordance with your policy.
Key Reminders for Policyholders
To make the most of your General Liability Insurance policy and ensure continuous coverage, it's important to keep the following reminders in mind. These tips will help you manage your policy effectively and avoid any unexpected issues:
- Read Your Policy: Make sure to thoroughly read your policy documents to understand the specific claims procedures of your insurance provider and know what's covered.
- Understand Coverage: Coverage is subject to policy terms and conditions, so be familiar with these to avoid surprises.
- Timely Premium Payments: Ensure your premiums are paid on time to avoid lapses in coverage.
- Emergency Contacts: Keep emergency contact numbers and policy details handy for quick access during emergencies.
- Keep Records: Maintain copies of all relevant documents and correspondence related to your policy and trips.
- Stay Updated on Policy Changes: Be aware of any updates or modifications to your policy, as terms and coverage may change over time.
- Claims Deadlines: Always submit claims and required documents within the deadline specified in your policy to avoid delays or denial of coverage.
General Liability Insurance Providers
Safeguard Your Business Today
Don’t wait for an unexpected event to jeopardize your business. Contact Reliable Insurance Brokers today to learn more about how General Liability Insurance can protect your business from unforeseen risks and liabilities. Our team is ready to provide you with personalized guidance and support every step of the way.
Contact Information for Inquiries and Support
Should you have any questions or require further assistance in applying for General Liability Insurance:
- Call: +63 2 8631 9285 to 86
- Mobile: +63 917 138 5120
- Email: info@reliable-insurance.ph
- Messenger: m.me/reliable.insurancebrokersph
Note
The coverage details provided in this guide are for informational purposes only and are subject to change. Reliable Insurance Brokers advises all clients to request a detailed proposal and thoroughly read and understand their insurance policy. Coverage terms and conditions may be updated or modified by our partner insurance companies, which may supersede the information contained in this guide. Additionally, because our offerings can be custom-fitted to your specific needs, the details may vary from what is stated in this article. For the most accurate and up-to-date coverage details, and to understand how different providers might affect your policy, please contact us directly or refer to your policy documentation.
