According to the National Safety Council (NSC), there are about 38, 300, 000 medically consulted individuals who suffered from injuries at home in the year 2017. In addition, the Insurance Information Institute recorded that there’s one of fifteen insured homeowners who have a claim every year. Indeed, potential lawsuits and claims have dramatically increased in the past few years. And getting the comprehensive personal liability insurance is more important than ever. In this article, we provide you different types of templates you might need, such as certificates, forms, letters, and legal notices.
10+ Comprehensive Personal Liability Templates in Google Docs | PDF | Word | Pages
2. Unilateral Liability Release Template
Saving yourself from further damages and losses is possible with the help of our Unilateral Liability Release Template. By using Google Docs, MS Word, and Apple Pages file formats, you can have it modified and edited the way you want. Make haste! Get your hands on this template today.
3. Company Policy Template
A business company should have a firm guideline or a policy to follow to lessen the risks. In doing so, this Company Policy Template can help you draft a document you need to lay down all the procedures. Get to create one now in Google Docs, MS Word, Pages, and Editable PDF. The template is readily available in A4 and US sizes, so there’s no problem printing it in both paper sizes. Need a copy of this template? Download it now!
5 Steps to Get a Comprehensive Personal Liability Insurance
Step 1: Determine the Type of Liability Insurance
Whether you are a business owner or an ordinary individual, you need to understand the importance of purchasing liability insurance. The entire process starts at understanding the different types of liability insurance. The main categorization includes an employer’s liability and worker’s compensation, product liability insurance, indemnity insurance, director and officer liability coverage, umbrella liability policies, commercial liability insurance, and the comprehensive general liability (CGL) policies. You need to have a protection plan to secure any possible damage or loss. In this case, it pays great to understand what type of liability insurance is suitable for you and your business.
Step 2: Choose an Insurance Coverage
After you have identified what type of liability insurance you are getting, an insurance company will advise you to choose the right coverage. Of course, each insurance coverage comes with a cost. It always depends on how much and how high is the perceived risk. And in cases where you need more than the coverage you’re applying, an insurance agency will have to add a policy. Although it only means that you have to pay for an additional cost.
Step 3: Include an Umbrella Insurance Policy
From an insurance standpoint, an umbrella insurance policy is the extra insurance coverage that a homeowner should get to cover the excess liabilities. It often refers to an excess liability insurance policy because it functions as a fail-safe for the protection of your savings or other assets. So, if you own a property, run a business, and make a significant saving, this umbrella insurance policy is what you need to include in your insurance coverage. This coverage is indeed great for business owners who have strong chances of lawsuits.
Step 4: Consider Special Professional Coverages
All liability insurance coverages have certain limitations. One insurance coverage may not be able to save you from a potential lawsuit or a claim. For instance, commercial general liability insurance can protect someone against legal inconveniences; however, it cannot protect a director and an officer from possible lawsuits or the insured against errors and omissions. In this case, you need to purchase and consider special professional coverages such as errors & omissions insurance and directors & officers insurance. Every business company would require such coverages. And it can be beneficial for you, too.
Step 5: Cooperate with the Insurance Company
When a potential lawsuit is threatening you and your business, you need to make the insurance company aware of it. Failure to cooperate with them would cause a much bigger problem in your industry, and it could even make you ineligible for their help. An insurance company is there to help you against a possible liability claim. Hence, you need to tell them everything so the insurance company can help you settle the issue and defend you from it.
4. Certificate of Amendment Template
When your business company decides to change something in the company policy, you need to prepare a certificate of amendment. To help you with that, we have made this Certificate of Amendment Template available already. It is easily editable and 100% customizable in all versions of MS Word and Apple Pages. If you need a template like this today, grab a chance to secure a copy now.
5. Pre-Authorized Payment Template
This Pre-Authorized Payment Template can help you create a document you need, to pay for your chosen liability insurance coverage. It comes with features that will allow the insurance company to automatically debit your account by a certain amount you need to pay monthly or yearly. If you want a copy of this pre-authorized payment template, you may do so by downloading it right away.
6. General Waiver of Notice Meeting of Incorporators Template
Are you on the hunt for a waiver of notice meeting of incorporations template? Then, this General Waiver of Notice Meeting of Incorporators Template is what you need to get your hands on. By downloading this template, you’ll be able to document the agreed actions between stockholders in matters of liability insurance coverage, even without notice. Download it now to start the editing process!
7. Free Notice Of Contract Cancellation Letter
Get to create a notice of contract cancellation with the use of our ready-made and print-ready Free Notice Of Contract Cancellation Letter. Edit this template with ease in Google Docs, MS Word, and Pages. You may want to download it anytime you want for free.
8. Free Letter of Request for Change of Ownership
When you want to request for a change of business ownership, we believe you need this Free Letter of Request for Change of Ownership for an easy editing process. You can modify the original content quickly on your personal computer anytime, anywhere. It is available also in A4 and US print sizes, so it’s perfect for either commercial or personal printing. Don’t miss this rare opportunity. Download this template right away!
9. Free Business Termination Acceptance Letter
Make use of the preformatted content and a professionally-looking layout of this Free Business Termination Acceptance Letter. This business termination acceptance letter template can be a useful tool to create a document you need for your business. Want to try it for free today? Just click the download button now!
10. Personal Property & Liability Form
Catch a glimpse on this Personal Property & Liability Form that you can download anytime in a Portable Document Format (PDF). It contains a layout and the content to guide you in drafting a business-related document for a possible liability insurance purchase agreement. Try this sample form template by downloading it now!
11. Waiver of Liability and Assumption of Risk Agreement Use of Premises Form
This Waiver of Liability and Assumption of Risk Agreement Use of Premises Form can aid you in meeting the requirements an insurance company asks. If you’re looking for this type of document template, you can secure a copy by simply downloading it in a Portable Document Format (PDF). Do not delay. Download right away!