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Why Liability Insurance is so Important


Here at Brooks-Waterburn Corp, one of our primary goals is to develop a long-term, trusting relationship with you. We are in the midst of the winter season. With that, comes the cold. The cold will put more ice on properties, increasing the chances of slip-and-fall liability. Of considerable concern to business and property owners is the need to remove snow and ice, minimizing the chance of receiving a municipal ticket, and the risk that someone will suffer an injury.

There are numerous ways available to remove ice and snow from high trafficked areas, such as entryways, parking lots, and sidewalks. Some of those ways include salting, salt alternatives, spraying hard to shovel areas with cooking spray, using a leaf blower, and taking a preemptive strike by covering heavily walked areas with tarps before a snowfall. Whatever way you decide works for you and your business, the best way to ensure that you are protected is to obtain liability insurance coverage.

Liability insurance provides protection against claims resulting from injuries and damage to people and/or property. It covers legal costs and payouts for which the insured party would be found liable.

At Brooks-Waterburn, we understand that you want to protect what is most important to you; your home, your family or your business. We will provide you with the most comprehensive insurance solutions to give you peace of mind.


  1. It Protects After an Injury When an injury accident occurs, liability insurance will cover the cost of medical bills and other expenses incurred by the injured party. Without liability insurance, you and your company may be responsible for all of these costs and more.
  2. It May Protect in Court In some cases, the injured party may reject the insurance provider’s offer of payment. While most personal injury lawsuits are settled during one of the pre-trial phases, there are cases where they will reach the courtroom. In the case that an injured party decides to sue, your policy may offer protection in court.
  3. It Can Protect Against Property Damage Costs If one of your employees, products, or services causes damage to someone’s property, your liability insurance coverage may provide compensation. If uninsured in liability, you or your company would likely have to pay for the total cost of damage.


In short, anyone who owns property or has a business needs liability insurance coverage. While some might think that their business is at a lower risk for injury or property damage incidents than a construction or manufacturing company, any business can find themselves dealing with these issues. A wet floor can cause a slip and fall. Ice and snow present a great deal of risks. Even employees can potentially create risk of a customer data breach. It is imperative that all businesses obtain liability insurance.


The process of finding the right coverage from the right provider can prove to be challenging. This is where we come in. The internet has made it easier to look for insurance providers. However, being presented with an overload of information and too many options can prove to be an overwhelming experience and business owners find themselves not understanding or obtaining the right coverage for their unique needs.

In Summary

The best choice you can make today is to let us begin a relationship with you by providing you with the right coverage for your business. We understand that you want to protect what matters most, and this is one of the many ways we can put our mission into practice!

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