Haskett Insurance · Business
General liability is written in Coverages A, B and C. Property, workers’ comp and the truck are separate policies that sit beside it. Ray sorts out which one owns which risk.
Tap a letter on the drawing or below to see what it covers.
[{"k":"A","label":"A · Injury and damage","d":"Someone hurt, or their property damaged, by your business.","short":"A"},{"k":"B","label":"B · Advertising injury","d":"Libel, slander, or copying someone else’s ad.","short":"B"},{"k":"C","label":"C · Medical payments","d":"A customer’s small medical bills, without a lawsuit.","short":"C"},{"k":"Property","label":"Property","d":"The building, shelving, stock and equipment.","short":"Property"},{"k":"WC","label":"Workers’ comp","d":"Your employees’ injuries on the job.","short":"Workers’ comp"},{"k":"Auto","label":"Commercial auto","d":"The truck or van the business owns or uses.","short":"Commercial auto"}]The three lettered parts of general liability, then the three policies most Kansas businesses add beside it.
General liability’s Coverage A pays when your business injures someone or damages their property: a customer trips on a mat, a crew member cracks a client’s countertop.
Often missed. It doesn’t cover your own employees (that’s workers’ comp) or your own vehicles (commercial auto).
Coverage B is for injuries that aren’t physical: a claim that your ad copied someone else’s, or that something you said or posted damaged a reputation.
Often missed. It isn’t a cyber policy and it doesn’t cover patent or trademark fights.
Coverage C pays a customer’s medical bills after an injury on your premises, without anyone having to prove fault. Often it keeps a small accident from becoming a lawsuit.
Often missed. Never your employees. Their injuries are workers’ comp.
Your building if you own it, plus what’s inside: fixtures, inventory, tools, computers. Often packaged with liability in a business owner’s policy (BOP).
Often missed. Ask about business income coverage, which can replace lost income while you’re closed after a covered loss.
Medical care and lost wages for employees hurt on the job, and it generally takes the place of a lawsuit against you over those injuries.
Often missed. In Kansas, most employers with more than $20,000 in annual gross payroll must carry it. Family-member wages and some farm work are treated differently.
Covers vehicles the business owns, and can extend to employees driving their own cars on business errands (hired and non-owned auto).
Often missed. A personal auto policy may not cover a vehicle used mainly for business. Tell us how the truck is really used.
The Kansas rule is about payroll, not headcount. Slide to your yearly gross payroll.
Wages paid to family members of the owner don’t count toward the line, and some agricultural work is exempt. If you’re close, call Ray before you hire.
Over $20,000: Kansas generally requires workers’ comp. Coverage has to be in place for your employees, and work injuries get reported to the Department of Labor.
Source: Kansas Department of Labor, Workers Compensation. A general guide, not legal advice.
A general contractor or a landlord wants proof you’re covered before you start. Email Ray the job name and who needs the certificate; ask before 3 p.m. and it goes out that afternoon.
Certificate of insurance
Sample, for a fictional business. Not a real policy.
A certificate shows coverage on the day it’s issued. It doesn’t change the policy.
Bring your current policies or a recent audit. We’ll show you the gaps, then quote several carriers.
