Managing YOUR LIABILITY RISKS
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A man walking through your parking lot slips and falls, injuring himself. A fire in your office also destroys part of a neighboring building. A job candidate sues your business for hiring discrimination, even though the employee who interviewed her is no longer with your company.
These are all classified as liability exposures, incidents in which a party not associated with your operation claims to have suffered an injury or loss to self or property. A significant way to help control liability losses is to take a close look at the safety and maintenance of your facilities, as well as the practices of your employees and contracted workers.
USAA is acting as an agent through its insurance agency affiliate, USAA General Agency, Inc. or USAA Insurance Agency, Inc. The USAA Business Insurance Program offered through the agency affiliate is available only to persons eligible for USAA membership. The Hartford Fire Insurance Company and its affiliates provide the insurance for this program. All insurance applications are subject to underwriting to determine acceptability. Product availability and coverage may vary by state. Insurance descriptions are general in nature. Please refer to your policy for full disclosure of coverages, limitations and conditions.
This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.