Personal liability insurance

What Is It And Why Do I Need It?

Personal liability insurance is essential for protecting yourself against the financial consequences of accidents and mishaps that can happen in everyday life. Whether it’s an accident at home or while you’re out and about, personal liability insurance offers a safety net that covers legal fees, medical expenses, and other related costs.

Personal liability insurance provides coverage for incidents where you are held responsible for causing bodily injury or property damage to others. This type of insurance is not limited to accidents on your property but extends to incidents that may occur anywhere.

Accidents can happen at any time, and the financial impact can be significant. Our personal liability insurance policies help cover costs associated with:

• Medical expenses for the injured party
• Legal fees if a lawsuit is filed against you
• Property damage repairs or replacements

At JMD, our team of agents will stop at nothing to keep you and your family protected for life.

Weighing Premiums and Deductibles:

After identifying the best coverage rate for your business, our team will help you find the most budget-friendly options for premiums and deductibles. Typically, plans with higher deductibles are seen as lower risk by insurers, which translates to reduced monthly premiums. On the other hand, plans with lower deductibles are perceived as higher risk, resulting in increased monthly payments.

For more on premiums and deductibles visit our FAQ page.