Commercial General Liability Insurance

Looking for commercial general liability insurance? It’s possible to take out a general liability insurance policy to cover your business for some common liability risks. If you or your employees offer advice to clients or make significant judgments that may affect your clients’ health and wellbeing, financial wellbeing or business operations, you may need additional professional liability coverage.

Here are some common risks businesses and consultancies that you may want coverage for:

§  Libel or slander

§  Copyright infringement associated with publications or advertising

§  Employment practices (discrimination, for example)

§  Bodily injury caused by you or an employee

§  Property damage caused by you or an employee

§  Professional negligence

Ensuring your business has adequate coverage is essential. Without it, a law suit could send your business into bankruptcy and even place your personal assets at risk.

There’s another good reason to ensure you have adequate liability coverage. Accidents and errors do happen and the more employees you have, the greater the chance of occurrence.  Compensating a person who is genuinely injured or has otherwise suffered due to an act or omission by you or an employee is usually the right and just thing to do. Liability insurance exists so that genuine victims can be compensated.

If you’d like to protect yourself and others, contact us today to discuss your liability insurance requirements.

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General Liability Insurance in California

Starting a business takes a lot of time and effort, not to mention the financial cost involved. Having put so much into it, the last thing you want is for your business to be financially damaged by a lawsuit or even worse having to go out of business.  Every company – no matter what it does or how successful it is, no matter how big or small, new or old – should be protected by a general liability insurance policy. It is in many ways the most basic business insurance coverage available.

A general liability insurance policy protects your business, and ultimately you and your assets, by covering you for accidents or property damage, if a lawsuit is filed and you or one of your employees are found to be liable.

Of course, no business owner wants the stress of going through a law suit. We can’t plan ahead enough or put enough safe guards in place to completely eliminate all the risks of doing business. None the less, there are many things you can do to help reduce the chances of a claim or lawsuit being filed against you:

§  Set a high standard for quality control of your product or service.

§  Maintain company records and keep them up to date.

§  Provide quality training for your employees.

§  Develop a good set of safety procedures that incorporate the safety of visitors on your business premises.

§  Place a strong emphasis on customer service – a happy customer is less likely to file a trivial claim.

Helping business owners is one of our specialties so if you need general liability insurance in California, please speak to us about your business insurance needs. We are confident we will find a solution for you.

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