Will commercial insurance pay for medical expenses if someone falls in your Overland Park, KS store? It depends on the circumstances of the fall. Your policy from HighPointe Insurance Services LLC may directly cover the cost of medical treatment. In other cases, the person who fell may need to file a personal injury claim to get compensation for their medical expenses.
Types of Insurance That May Cover Falls in Your Store
Several types of commercial insurance may cover the cost of medical treatment for someone who falls in your store. These include:
- General Liability Insurance: This type of insurance is typically required by landlords and is designed to protect business owners from liability for injuries that occur on their property. If you have general liability insurance and someone falls in your store, your insurance company may pay for their medical expenses up to your policy’s limit.
- Product Liability Insurance: This insurance protects businesses from liability for injuries caused by defective products. If someone falls in your store because they were using a defective product, product liability insurance may cover their medical expenses.
- Workers’ Compensation Insurance: Workers’ compensation insurance may cover their medical expenses if an employee falls in your store. This is Kansas-mandated insurance to protect employees injured in the workplace.
These are just a few examples of insurance that may cover the cost of medical treatment for someone who falls in your Overland Park, KS store. Every situation is different, so contact HighPointe Insurance Services LLC to discuss the details of your commercial insurance policy if you’re covered.