General Liability Coverages
Protection from Bodily Injury and Property Damage
No matter what type of business you’re in, general liability insurance is a necessity – because all businesses are vulnerable to a variety of accidents, injuries, and claims of negligence. Navion’s General Liability policies protect your business from potentially serious financial damage due to bodily injury – including illness and death – and property damage. We also typically includes a sub-limit for medical expenses for minor, non-fault injuries sustained by visitors on a company’s property.
Defense from Legal Claims and Lawsuits
Legal liabilities are often an overlooked aspect of insurance, yet these are the very risks that can sink your business. Frivolous, fraudulent and groundless lawsuits can hit you from someone just looking to make a buck. And non-physical acts such as copyright infringement, slander or libel can be more costly than physical damage. Our policies protect you from legal risks and even provide coverage for paying legal defense costs.
Coverage all the way down the stream
Nearly every jurisdiction follows what’s known as the “stream of commerce” model of product liability. This means that everyone in the stream can get sued for a single liable event. And if you’re not covered, you’ll be at the whim of the attorneys, insurance companies, and courts, who will sort out who is liable. Navion’s policies give you coverage all the way down the stream, so that you’re not left out in the cold when a risk event occurs.
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In California, many construction classifications are divided into separate classifications based on the hourly wage of the employee for each classification. In the industry this is referred to as dual wage classification. Each pair of dual wage classifications is divided into two "high wage" and "low wage" classifications. The "high wage" classification generally has a substantially lower rate than the "low wage" classification. The California Workers Compensation Insurance Rating Bureau (WCIRB) has adjusted the hourly wage thresholds for certain dual wage classifications beginning in 2018. The new hourly wage thresholds are