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Example ... Joe Blow runs out of gas in front of your establishment. He doesn't have a cell phone, so he starts walking in to ask if he can use your phone. On the front step there is a small piece of gravel and Joe turns his ankle on it. Sally Secretary sees Joe starting to fall and as she's near the door, she runs out to help. Problem is Joe is falling forward and the door opens to the outside. Joe takes the edge of the door, being flung open by Sally, who is a right fit farm girl, on the forehead, and now he's dizzy and bleeding. Walking up the street and watching all this happen is Robert Prezler. As Joe goes down for the count, Robert breaks into a run that makes Usain Bolt look like a turtle (not that there's anything wrong with turtles), and the Go Pro Hero mounted on his briefcase is recording every agonizing moment.
Now Robert knows not to touch Joe and he's dialing 911 on his CrackBerry, but Sally doesn't, and she latches onto poor Joe like he's the last man on earth to try and help him up. But lifting Joe's dead weight is too much for farm-hand Sally and down they both go, and this time Sally's knee encounters Joe's rib cage which goes off with a snap-crackle-pop like a bowl of Rice Krispies, all just as Shawn, having been called down from the throne room in the ivory tower exits the building to investigate the situation. Moments later the ambulance arrives. Robert feigning the good and conscientious citizen that he is, offers to ride along with poor old Joe to the hospital. Shawn does notice though that as they are getting into the ambulance, Robert is fishing around in his briefcase.
Now, not only did Joe run out of gas this morning, and get horribly wounded, but he also missed the lottery last night by one number. Joe was thinking that this just wasn't going to be his day until Robert shoves some paperwork in front of him and tells him "Sign this son, I'll make you rich" ...
Without a GL/CGL policy in place Shawn is going to lose his business, and Sally is going to lose her house. Both are going to handsomely pay Joe for the rest of their lives. The cost of a GL/CGL policy is pretty cheap now isn't it?
With a GL/CGL policy the insurance company is going to put a couple of seriously good lawyers on the case, and send a loss prevention manager to Shawn's place of business to teach everyone to "leave the dead where they lay".
The scenarios play out every day. Ask your insurance agent ... they'll have some hair-raising stories for you. You need to protect your people and your business all the time, from everything, including themselves.
Now Robert knows not to touch Joe and he's dialing 911 on his CrackBerry, but Sally doesn't, and she latches onto poor Joe like he's the last man on earth to try and help him up. But lifting Joe's dead weight is too much for farm-hand Sally and down they both go, and this time Sally's knee encounters Joe's rib cage which goes off with a snap-crackle-pop like a bowl of Rice Krispies, all just as Shawn, having been called down from the throne room in the ivory tower exits the building to investigate the situation. Moments later the ambulance arrives. Robert feigning the good and conscientious citizen that he is, offers to ride along with poor old Joe to the hospital. Shawn does notice though that as they are getting into the ambulance, Robert is fishing around in his briefcase.
Now, not only did Joe run out of gas this morning, and get horribly wounded, but he also missed the lottery last night by one number. Joe was thinking that this just wasn't going to be his day until Robert shoves some paperwork in front of him and tells him "Sign this son, I'll make you rich" ...
Without a GL/CGL policy in place Shawn is going to lose his business, and Sally is going to lose her house. Both are going to handsomely pay Joe for the rest of their lives. The cost of a GL/CGL policy is pretty cheap now isn't it?
With a GL/CGL policy the insurance company is going to put a couple of seriously good lawyers on the case, and send a loss prevention manager to Shawn's place of business to teach everyone to "leave the dead where they lay".
The scenarios play out every day. Ask your insurance agent ... they'll have some hair-raising stories for you. You need to protect your people and your business all the time, from everything, including themselves.
