General Liability, Professional Liability, Worker’s Compensation and more for answering services and call centers that provide phone support to businesses. There are risks to businesses and employees answering incoming calls from individuals needing customer service, placing orders, setting appointments or leaving messages. Our insurance programs are tailored to fit the unique needs of these companies, whether the workers are situated in a company office or home-based location.
If customers do not visit the offices of the answering or call center service, premises liability is very light. However, people who visit the office to make deliveries or repairs can easily slip and suffer a serious injury or sustain some other type of injury in the office or on the property.
E&O Insurance, also known as Professional Liability, covers claims of negligence or poor quality work. Lawsuits may arise if answering service employees fail to deliver important messages on time or if they deliver inaccurate messages. Legal claims can also be made against call center workers who provide incorrect information that cause the caller to incur economic damages. While the employee’s actions may not actually have triggered such results, E&O Insurance protects employees from claims by disgruntled customers and pays the fees incurred in defending against such claims.
The primary Workers’ Compensation risk is injuries that occur due to repeating the same keyboarding motions over and over. Eyestrain from looking at computer screens can also be a common occurrence for answering services. Of course, employees can be hurt on the job in a myriad of ways, such as falling, lifting heavy objects, or electrical shock.
High values on computer equipment can be at risk. Other property risks include damage resulting from a burglary and severe weather. For instance, high winds from an electrical storm or hurricane can easily damage roofs, windows and more. Signs and other objects can become projectiles that slam into the side of the building and trees can topple, causing serious damage to buildings.