General Liability Insurance
GREAT STATE
General Liability Insurance
Auto insurance’s primary use is to provide vehicle protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident. When you are in an accident, the last thing you want to deal with are auto insurance brokers; however at Great State Insurance, we not only offer you affordable automobile insurance, but we also make the process as brief and effortless as possible.
You're in luck!
We offer Professional Liability Insurance services to Manufacturers, Wholesale, Retail, Services, Transportation, Construction, Commercial Real Estate, small Contractors, Restaurants, Hotels, Apartments, and many other businesses throughout North Carolina. We have the valuable experience and the necessary resources to analyze and recommend the correct amount of Business Liability Insurance for your small business.
Protecting your Assets and Liabilities
Our exposure analysis identifies your business’ risks and recommends the optimal blend of insurance coverage and risk management. This generally involves a combination of:
Workers
Compensation
We help protect your employees and your business from the financial impact of workplace injuries and illnesses.
Property
Liability
We help protect your business property and assets from damage, loss and unexpected incidents.
Business Auto Insurance and More
We help protect your business vehicles and fleet from accidents, damage and liability on the road.
Business Liability Insurance Features
Business liability insurance coverage insures your business in the event of accidents and injury that might occur on your premises and any exposures related to your products. It protects your business from possible huge payments for bodily injury or property damage to a third party and for medical expenses accruing to the underlying incident. It will also absorb the cost of defending lawsuits that may include needing investigations or settlements, and for any judgments or bonds required during an appeal.
What You Need to Know About EPLI
AKA: Dirty Old Man Insurance!
Holiday parties are supposed to be a time to unwind, a time to reflect, and a time to have fun with co-workers. Unfortunately, some employees seem to feel that a party is a time to act stupid.
Discrimination
Failure or refusal to hire or any other wrongful treatment of people based on their race, sex, color, religion, sexual orientation, age, disability or other status that is protected by federal, state, or local statute or ordinance.
Harassment
Of either a sexual or non-sexual nature.
Wrongful Termination
Any actual or alleged wrongful dismissal, discharge or termination of employment, including breach of contract.
Real cases :— Ask yourself where would you
get the money to pay these claims?
Disability
Discrimination
Man with foot disability discriminated against and retaliated against by his employer: Jury verdict $500,000 total damages.
Sexual Harassment by Co-worker
Woman who suffered sexual harassment by co-worker: Jury verdict $175,000 total damages.
Sexual Harassment by Supervisor
Sexual harassment of a female worker by her supervisor: $180,000 awarded.
Racial
Harassment
Racial harassment suffered by Jewish worker: $155,000 awarded.
Get In Touch
Do You Need This Coverage?
Honestly, I can’t answer that. I expect you know your office, know your employees and know your “corporate culture”. But if you’re challenged and you have to go to court to defend yourself, you’re on your own unless you have Employment Practices Liability Insurance. And the cost of defending these claims can be HUGE! In Fact In Most Cases The Cost Of Defense Is The Greatest Cost!