Preparing for the Inevitable. When a simple oversight turns catastrophic.

A couple arrives at a bakery for a wedding cake tasting. A process that started with all the energy of a 14-year-old on his third Red Bull has, a few months in, become a grind. Our bride may have started fantasizing about this wedding over tea with her closest dolls when she was five, but, at this point, it’s hard to discern one detail from another. This tasting, however, she’s been looking forward to for a couple of weeks. As has her fiancé, who, for the first time since getting down on bended knee, wasn’t lobbied to take an interest.

The tasting is by appointment, but it was an especially chaotic afternoon at the bakery, to the extent that the owner darted out the door moments ago to deliver pastries for a convention dinner at a nearby hotel. No Why your business needs E & O Insurancefear, though; her lieutenant has conducted dozens of these tastings. The kitchen, however, is still under siege, so she’s a bit distracted as she greets our couple and begins feeding them. Her descriptions are half-formed, but it’s cake; what more really needs to be said?

They know which one they want almost right away, but they try every last sample anyway because, again, it’s cake. The lieutenant confirms their choice. “One catch,” our bride says. “My mom has a severe tree-nut allergy.” The lieutenant assures her that their cake will be nut-free, and it’ll be baked in a specially designated area of the kitchen to prevent cross-contamination. Only, a surge from the kitchen swallows her the moment our couple exits, and she fails to note the allergy in the order.

It’s a small business owner’s nightmare to discover, after the fact, that a basic commercial liability insurance policy does not cover employee error. Which means that a simple oversight now holds the potential to be catastrophic. Errors and omissions insurance stems that tide. An E & O policy, foremost, extends your liquid, physical and future asset protection beyond the limits of your primary business insurance in the instance of a civil suit. (The coverage does not apply to a criminal action.)

Accidents are more a matter of when than if. And when one occurs, with so much at stake, you need to be prepared. For a free, no-obligation quote, contact us at 714-258-2800 or 888-725-7776