Frequently Asked Questions

Does my insurance policy cover a friend if I loan him/her my car?

When you loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy.


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Contact Information

Churchville location »
2907 Churchville Road, P. O. Box 70
Churchville, MD 21028

Elkton location »
211 West Main Street
Elkton, MD 21922

As a business owner, you are liable for accidents, mistakes and injury in which you, your property or your employees may be involved. General Liability provides defense costs, covering damages, awards and legal expenses relating to property damage, personal and advertising injury (i.e. libel and slander) and bodily injury. For example, a client of your small Accounting Services business trips and injures themselves on the unstable front steps of your office building. Your General Liability will cover the impending medical bills or even the resulting lawsuit. However, if a client sues you for an error on their tax returns, your general liability will not cover the devastating costs associated with that lawsuit.

Many general liability policies specifically exclude coverage or claims related to the delivery of professional services. Furthermore, the liability of risk associated with your company’s professional errors, omissions and negligence can be far greater than the bodily injury and property damage associated with a General Liability policy. Consequently, how can you avoid potentially devastating costs associated with lawsuits arising from neglect associated with your professional services?

Professional Liability is essential for those businesses that provide a highly specialized service, including accountants, doctors, information systems specialists, lawyers, etc. In the event a client alleges they have suffered a financial loss as a result of your negligence, Professional Liability can protect you and your business from catastrophic litigation costs. Additionally, losses resulting from error or omission with regards to product or service being sold, personal injury, and even breach of intellectual property or warranty can be covered under Professional Liability coverage.

It is important to talk to a licensed insurance agent when considering this kind of coverage. Stop in or call for a free consultation.