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What Does Liability Insurance Cover in Apex?

what does liability insurance cover apex

General liability and employers liability are just two types of coverage. There are others, including crime, employment disputes, and nonprofit associations liability insurance. Apex tailors its policies to meet the needs of a business. Take the delicatessen above, for example. A customer bit into an olive stone and was injured. This prompted a businessman to file a lawsuit. The insurer settled the claim on the delicatessen’s behalf.

General liability

Whether you’re running a small business or a multi-national corporation, you need to ensure your company is protected from any potential lawsuits. While most business owners don’t consider the cost of general liability insurance, the costs can add up over time. Apex Insurance Group of WI, LLC is here to help you find a policy that suits your needs. Read on to learn more about the risks you face in running a business.

A comprehensive Commercial General Liability insurance quote is available from the ISC Team, a local company with offices throughout North Carolina. We can help you compare quotes in Apex and other towns and cities in the state. Contact us today to get a free quote for your business. You can also call us at 1-877-ISC-INC to get started. We offer competitive rates and superior service! Our team will get your business up and running in no time.

The cost of general liability insurance depends on many factors, including the location of your business and the number of employees. You should also consider whether your company has any high-risk activities. For example, if you own a restaurant and have an outdoor cafe that attracts a large number of customers, you’re likely to face higher costs. In addition, the higher your employees are, the higher your premium will be.

What happens when a customer files a lawsuit? A general liability insurance policy will protect your company from lawsuits related to injuries sustained by another party. A landscaper may not be covered by his policy if he accidentally throws a stone that breaks a client’s window, but a general liability insurance policy will pay for the medical expenses. A copyright infringement lawsuit can cost $150,000 if your advertisement is offensive, which is another reason why general liability insurance is so essential.

Employers liability

Apex Oil Company, Inc. (Apex) is a successor-by-merger of Clark Oil & Refining Corporation and Arrowood Indemnity Company. Apex’s employers’ liability insurance coverage provides protection against a wide range of claims, including sexual harassment and discrimination. Other common forms of liability coverage include errors and omissions liability. These policies also cover errors and omissions made by your employees. These include failures to perform and breaches of contract.

Arrowood sought summary judgment against Apex, arguing that it was not timely to bring a declaratory judgment action against the insurer. Arrowood argued that Apex had sought coverage for the Krohn lawsuit in 2010 under separate commercial general liability policies. However, the company had not tender an employers liability policy to Arrowood. The Circuit Court found that the policy’s expiration date did not trigger Apex’s obligation to defend or indemnify Krohn.

Arrowood argues that the circuit court’s order was unconstitutional, as the insurer waived its duty to defend. However, it argues that the employer’s liability policy could have covered the underlying claim. Arrowood’s lawsuit, however, falls under the broader bodily injury by accident coverage. In the end, this means that Arrowood must indemnify Apex for its settlement.

Employers’ liability insurance is a key component of workers compensation insurance. It helps businesses pay for lawsuits filed by employees. Additionally, this insurance covers the legal expenses of third-party lawsuits filed by employees. Additionally, the policy protects employers from consequential bodily injury lawsuits. It also covers lawsuits brought by non-employees, including loss of consortium lawsuits by spouses. Dual-capacity lawsuits are filed by employers when they have a second relationship with their employees.


If your business is at risk of theft, you need to make sure that your business has adequate liability insurance. Crime is one of the most common insurance claims, but it can be difficult to know which risks are covered by liability insurance in Apex. Here are some examples of crimes covered by liability insurance in Apex. Computer fraud, including fraudulent transfer of funds by an employee, may be covered under a liability insurance policy. Depending on your policy, you may be able to choose what types of fraud and theft are covered under your coverage.

Directors & officers

Liability insurance covers the directors and other senior executives of a business in the event of lawsuits. It is often confused with errors & omissions liability insurance, which covers the business from claims relating to performance or negligence of products or services. Although errors & omissions insurance can cover certain types of actions, directors & officers liability insurance provides a more comprehensive coverage plan.

In general, directors and officers liability insurance does not cover fraud, criminal offenses, or pending or prior litigation. It would not cover property damage or injury claims. Other types of business claims would fall under general liability insurance, including insured versus uninsured/insured claims, employee benefit plan disputes, and pending lawsuits. For more information, contact your insurance broker or agent. Whether or not the policy covers these types of claims depends on the specific terms of your policy.

A D&O insurance policy provides protection for the personal assets of a corporation’s directors and officers against losses due to a lawsuit. This type of insurance covers expenses related to a wrongful act claim, including legal fees, settlements, and other costs. While not every company needs D&O insurance, it can provide the assurance needed to attract and retain qualified executives. There are a few key reasons for considering this type of policy for your business.

Another reason to consider D&O liability insurance is that directors and officers of a company are paid to make major decisions, and mistakes can be costly. This type of insurance will cover the costs involved in settling claims against directors and officers. This type of policy excludes any criminal acts or decisions made with the intention of benefiting the director or executive. However, mistakes in financial documents, failing to enforce human resource policies, and so on are covered.

Not-for-profit associations

Directors and officers liability insurance can help nonprofit associations cover their costs in case of liability for their management decisions. These policies are designed to protect the nonprofit organization as well as the individual board members, volunteers, and employees of the organization. Some policies also include employment practices liability coverage for the directors and officers, as well as their employees. Professional liability insurance provides protection from lawsuits involving errors and omissions, negligence, and other liabilities.

While not-for-profit associations are subject to litigation, they should be aware that not-for-profit organizations often face lawsuits from lawsuits filed against them. Because not-for-profit organizations are usually unaware of certain liabilities, it is important to review your coverage policy carefully to ensure that you’re fully covered for any underlying claims. If your policy has a triggered policy, it’s likely that you’ll have a triggered claim if there was an underlying claim.

In addition to property damage, nonprofits can face a host of legal liabilities. These cover bodily injury and property damage, as well as reputational damage. For example, a potential adopter could sue a nonprofit for a dog bite. The nonprofit could end up paying for the lawsuit’s medical bills and attorney fees. Fortunately, GLI covers these costs. The policy also includes coverage for court-ordered judgments.

Although general liability insurance covers a variety of situations, nonprofit organizations should also consider purchasing property insurance as well. This type of insurance covers the costs incurred by third parties in an accident, such as a slip and fall. While liability insurance covers property damage, it does not cover employee injuries. Workers’ compensation insurance will protect the nonprofits’ board members and officers if they are sued for their role. Workers’ compensation insurance is required by almost every state.