Legal liabilities can arise at any time. Depending on your occupation, you may incur a range of legal liabilities, including potentially expensive liabilities. Most insurers focus on what could now be called rather outdated examples of personal liabilities. These examples usually include somebody tripping over in your home, for example, (which is actually premises liability, not personal liability) or similar hypothetical and largely inaccurate analogies.

As a matter of fact, personal legal liability can include any situation in which you incur liability for injury or loss to another party. This could be anything from your dog digging up the neighbor’s garden to a business transaction or other liability related to your work.

Personal legal liability insurance, therefore, needs to cover a very broad range of angles. The bottom line here is that you need to effectively customize your insurance to meet likely liability scenarios. This is a “risk management by prevention”, and it is infinitely preferable to the mainstream market “risk management by theory” approach.

We’re Xinsurance.com, part of Evolution Insurance Breakers, a leading American custom liability insurance company. We can tell you for a fact that the mainstream insurers barely get into ballpark range of actual liability coverage needs, simply because of this generic approach to coverage.

It’s ridiculous. How do you define actual risks on a spreadsheet-based theory which really only describes averages? What if your client doesn’t have an average problem with legal liabilities?

The other absurdity is that mainstream market insurance also tends to be something like 10 years out of date in terms of actual dollar coverage. That’s pretty useless, when you’ve been hit with a court order for a lot more money than your insurance will cover.

Our approach is to assess current insurance values for risk. We compile packages of insurance which are tailored to meet individual risks, focusing on dealing with major liabilities. Every one of our clients receives this customized personal legal liability insurance assessment as standard procedure.

If you’re looking for better coverage, and would like to check out your options for tailor-made personal legal liability insurance, visit our website here at www.xinsurance.comand talk to one of our experts. We’ll be happy to assist.

Contact Details:
Contact Person: Barbara Malkowski
Company Name: Evolution Insurance
Full Address: 8722 S.Harrison St. Sandy, Utah 84070
Email: [email protected]
Phone: 877-585-2853
Fax: 877-452-6910
Website: http://www.xinsurance.com/