Business Insurance

Business Insurance Coverage in california

From the day an entrepreneur starts a business, he exposes himself to certain risks. Even before the first employee is hired, a business is at risk, making it important to have the right insurance in place. Fortunately, businesses have access to a wide range of insurance types to protect them against these dangers. Here are some insurance types that a business must have in place as soon as possible.
We know that your business is one of the bigger investments that you can make. Protecting your business is a vital part of being a responsible business owner. Our experts can make a customized policy that will meet your needs. There are a variety of different commercial insurance options, therefore we will walk through each one with you to help you choose the right plan.
Insurance — Business Insurance in Redland, CA

Vehicle Insurance Coverage

If you will be using a company vehicle, these vehicles need to be fully insured to protect businesses against liability if an accident should occur. Your business should at least insure against third-party injury, but comprehensive insurance will cover that vehicle in an accident, as well. If an employee is using their own car for the business, then their own personal insurance will cover them in the event of an accident.

Home-Based Businesses:

Many professionals and entrepreneurs begin their small businesses in their own homes. Unfortunately, homeowner’s policies don’t cover home-based businesses in the way commercial property insurance does. If you are operating your business out of your home, ask your insurer for additional insurance to cover your equipment and inventory in the event of a problem.
General Liability Insurance:
  • This insurance will help protect your business from liability claims made by people against your business. This can include customer slip and fall accidents and damage to someone else’s property that your business causes.
 Commercial Property Insurance:
  • This insurance helps cover your business equipment, furniture and other covered property from the costs of property damage. It also helps restore the property you use in your business to its original condition before a covered loss or damage. Your property could include things like equipment, furniture or inventory.
 
Professional Liability Insurance:
  • This Insurance helps protect your business from claims that there were errors made while providing your professional services.

Workers’ Compensation Insurance 
  • This insurance provides benefits to employees who become injured or ill on the job. In the unfortunate event that an employee dies due to a work-related injury or illness, this coverage can also provide benefits to the employee’s family. This coverage is required in most states for businesses that have employees.

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