All businesses carry a responsibility to provide a safe environment to reduce the risk of harm to clients, visitors and members of the public. However as we all know, in the business world – just as in life in general – accidents and mistakes happen. As such, as a business owner it is important to recognize your need for general liability insurance California for your financial protection during such events.
General liability insurance provides coverage for harm caused to third parties in the form of bodily injury, damage of their property, advertising injury, or other personal harm. For instance if a client or visitor slips and falls in your parking lot, this insurance may cover any ensuing medical costs. It may also cover legal costs and damages if a lawsuit taken out against your business. What about your businesses responsibility for a product you sell? There are policy limits on this insurance and you might want to consider increasing your coverage or purchasing excess liability insurance by way of an umbrella policy.
With insurance being a rather complex business you should enlist the help of a professional California agent who understands the risks involved in your industry and who is familiar with the local region and economy. Contact our team of agents for more information about general liability insurance California and business insurance in general.