Does your business have enough liability coverage?

If you are relying on the liability coverage provided through a Business Owner’s Policy (BOP), then chances are you do not have enough. Although a BOP does provide liability coverage for businesses, it is often at a small limit and not enough to cover costs due to claims and lawsuits.

Does your business qualify for general liability coverage?

It is important to know which insurance market your business falls into before you shop for general liability insurance. Those businesses that fall into the “excess surplus market” (i.e. “dangerous” occupations such as roofers, framers, etc.) have to purchase excess liability insurance. If your business falls into the “standard market” (i.e. technology companies, lawyers, etc.) then you qualify for general liability insurance.

General liability insurance protects your business from a variety of things.  In general terms it protects your company from third party losses associated with your company operations.  Typically, your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability insurance policy:

• Business Personal Property (BPP)
• Protection of your business’ property from:
  • Fire
  • Theft
  • Vandalism
• Claims due to:
  • Bodily injury
  • Property Damage
  • On-going Operations
  • Completed Operations
• Terrorism coverage
• And more….

General Liability insurance protects a business from many liability issues, but business owners should also consider adding specialized liability coverage like errors & omissions insurance.

Contact Integrity Now Insurance Brokers for information on all of the business insurance lines we offer and a free quote for Orange County & Los Angeles California general liability insurance.

Integrity Now Insurance Brokers, Inc. is a multi-line insurance agency, providing personalized insurance coverage for families and businesses, throughout Orange County, California, Riverside County, California, San Bernardino County, California and the cities of Orange, Santa Ana, Anaheim, Garden Grove and Fullerton, Riverside, Huntington Beach, Long Beach, Downey, Carson, Brea, Agroua Hills, Pasadena, San Diego, Costa Mesa, Irvine, Corona, Cypress, Newport Beach, San Jose, Anaheim, Chula Vista, Fontana, Glendale, Santa Clarita, Oceanside, Ontario, Rancho Cucamonga, Pomona, Torrance, West Covina, Norwalk, Carlsbad, Burbank, Temecula, El Cajon, South Gate, Vista, Mission Viejo, Westminster, Whittier, San Marcos, Lakewood, Lake Forest,...