Commercial Insurance In California
Starting any business within California means taking on risks that come with everyday operations, from employee safety hazards to interruptions caused by weather emergencies. Dealing with these will require you to get the correct type of commercial insurance, ensuring that your assets are protected year-round. Below, Insurance by Allied Brokers breaks down the different types of commercial insurance that will be worth your while.
General Liability Coverage
General liability coverage takes care of any injuries that your customers get when visiting your place of business. This could be harm caused by employee negligence to injuries caused by faulty structures. When any of these happen, this policy ensures that your customers' medical bills are paid for. It also covers advertising injury claims which are often associated with libel or copyright infringement.
Workers' Compensation Insurance
Workers' compensation insurance protects businesses with one or more employees from any injuries that workers get during business operations. If, for instance, your employees get hurt by any machinery while working, workers' compensation insurance will help you pay for any treatment or consultation costs arising from the accident.
Commercial Auto Insurance
Commercial auto insurance will come in handy if your business has a vehicle registered in your company name. It will provide compensation when you or your workers get into an accident, allowing you to take care of any repair or replacement costs arising from such an event.
If your building and the contents within are damaged by events such as fire or hail, property coverage will help you pay for the repair or replacement costs. Vandalism and theft are also covered, allowing you to replace important property lost or damaged in such emergencies.
Business Owner's Policy
If you are looking for insurance that covers multiple coverage options, a business owner's policy will be an ideal alternative. It combines general liability coverage and property coverage, helping you take care of any customer injuries while also securing your business from damages arising from covered perils.
To get any of the above commercial insurance options within California, consider reaching out to Insurance by Allied Brokers today. We will help you get customized coverage to keep your business safe from various operational hazards.