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Tuesday, May 30, 2017

Business Insurance California

When it comes to insuring your business, there are so many options and variables out there and you want an educated agent that will go over the coverages with you. You also will find that business insurance can be expensive, depending on the size of the company and risks involved. 


General Liability Insurance and Business Owners Policy

Your General Liability Insurance is what is required to keep your business protected in the event of claim. It protects your business name in the event of an emergency. A Business owners policy protects your tools and products that you need to run your business. For example, if you have twenty thousand dollars in equipment and these items are stolen overnight, a business policy is what will cover your tools and equipment. The liability aspect of the policy will cover you if you are sued for negligence during the operation of your business. 


Workers Compensation Insurance

Workers Compensation which is required in the state of California if you are a business owner with employees of one or more. It covers your employees in the event of any work-related incident. There are certain safety practices that can be implemented that will reduce your insurance costs. 


Commercial Auto Insurance

If you have vehicles for your business that require you to drive additional miles in a day such as painters, plumbers, delivery drivers etc. you'd want to have a commercial auto insurance policy in place. This will cover you for auto accidents during work hours, the personal property left in the vehicle and the vehicle itself. 


Certain Insurance carriers are competitive depending on the type of industry that you're in and your history of claims. Newer companies will find that insurance rates will be high due to tack of history and track record. By maintaining safety work practices and history with the company, these rates can decrease. 

Feel free to give me a ring anytime you have questions regarding insurance. I'd be happy to help.

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