Workers Compensation

Workers Compensation Insurance is generally required by law, but by calling Almighty Financial Services you can shop several carriers at once for the best value available. Workers Comp. Coverage pays for the lost wages and medical expenses of employees who are injured on the job.

An employee is automatically entitled to receive certain benefits when he/she suffers an occupational disease or accidental injury during or due to employment. A worker whose injury is covered by workers compensation loses the common-law right to sue his/her employer for that injury. However, injured workers may still sue third parties whose negligence contributed to the work injury. Many jurisdictions permit employers or insurers to sue negligent third parties on their employee’s behalf in order to recover funds paid as workers compensation benefits.

Whether the employee or employer is at fault for the injury is usually inconsequential, as the sole goal of workers compensation is to return the injured employee quickly and economically to productivity.

                                         Business Owners Package

General Liability and Property Package coverage is the most basic type of commercial insurance and is limited to liability claims of bodily injury or property damage. Coverage is provided for accidents on your premises or at your customer's location. You and your employees are covered if, for example, you physically damage a client's server. Some client contracts also refer to these policies as Comprehensive Commercial Liability. It is important to remember that these policies exclude errors and omissions type claims related to the delivery of your professional services.

Typically offered as a general liability and property package policy, coverage is also provided for theft or destruction of your company's computer hardware and software and other assets (see property coverage) such as office furnishings and equipment up to a specified amount.
General liability coverage may be described in your contract in this way: "Supplier will maintain at its expense: Comprehensive General Liability Insurance or Commercial General Liability Insurance policy limits shall be not less than a Combined Single Limit for Bodily Injury, Property Damage, and Personal Injury Liability of $1,000,000 per occurrence and $2,000,000 aggregate."

                                              Errors & Ommissions

Errors and Omissions Insurance protects your company from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract. Coverage includes legal defense costs - no matter how baseless the allegations. Errors and Omissions Insurance will pay for any resulting judgments against you, including court costs, up to the coverage limits on your policy. Errors & Omissions Insurance coverage extends to both W2 employees and 1099 subcontractors, and can be worldwide in scope.

                                          Commercial General Liability

Business owners all around the nation are exposed daily to liabilities that they are unaware of. Risks include:  

Slip & Fall, Errors and omissions resulting in lost revenue, Employee dishonesty, Theft, and Destruction of property

General Liability Insurance provides coverage against these risks. Almighty Insurance Services can obtain insurance packages to cover standard liability claims, as well as business interruption coverage. This package helps businesses recoup from anything that stops their income stream, and is one of the most effective insurance options for new and expanding businesses.

We understand that our customers require a fast quote turnaround, a quick and easy signing, and convenient payment options. To streamline services, Almighty Insurance Services provides our customers with:

• Competitive choices from only highly rated insurance carriers 
• An accurate certificate of insurance that arrives quickly 
• Custom designed package options 
• Fast quotes and assessments at the lowest prices

To better understand your insurance needs and obtain the service that is best for you, please contact us anytime.

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