Orange County Business Liability Insurance

If you are a business owner then you probably have first hand experience with the many issues that can crop up on any given day. Running a business is never a smooth, hassle free experience, and even when you think you’re accounting for all possibilities and potential problems, something always comes out of the blue to present you with a new issue for that day.

In order to be sure that you, your business, and your family are always protected no matter what happens, Security Professional Insurance Service offers all of our Orange County customers a wide variety of business liability insurance policies.

Regardless of whether you’re operating a small, family owned mom and pop shop with your children or relatives working for you as your only employees, or you own a large office with hundreds of employees and thousands of clients, having a policy in place is the most important precaution you can take.

And no matter how large or small your business may be, Security Professional Insurance Service has the right kind of coverage available to you and your business.

If you own any sort of Orange County business, liability insurance is the type coverage you and your family need to ensure that you are protected. Also known as General Liability (GL), Business Liability, or Commercial General Liability, this brand of protection offers a wide blanket of protection over the following categories.

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The Advantages of Having A Business Liability Insurance Policy

Any property damage that you are legally liable for is covered by this policy. This includes not only your brick and mortar business, but any rented property you own, such as apartments or houses. Regardless of whether the damage is caused by an employee, customer, yourself, or a stranger, your business of assets are completely covered by this policy.

Additionally, if you, an employee, or an other party whom you are legally responsible for does damage to the property of another party while working, this policy while take care of the cost of said damage.If you are any of your employees are injured while on the job, the bodily injury section of this policy will ensure that everyone is protected.

Bodily injury not only serves to take care of the needs of you or an employee should you be injured while working, but also protects anyone whom you or your employees may injure while on the job.

In the event that you were sued for personal injury, this policy would offer you protection. Personal injury protects you and your employees from doing any non-physical harm to a customer or other entity. This policy covers claims such as slander, libel, invasion of property, invasion of privacy, false arrest, wrongful arrest, wrongful eviction, and other potential issues that may result from causing personal injury.

If your business were to be insured as a result of negative or harmful advertising, and this advertising was found to have caused injury to another party, then this policy would have you protected.

Advertising injury ensures that you as the business owners are covered if an individual were to experience any sort of harm or damage as a result of your advertising.

Legal defense and Judgements pays the costs of attorney fees should you be forced to defend yourself in court. Regardless of whether your lawsuit is legitimate and you end up settling, or whether the judge deems the suited to be frivolous, this policy will pay the maximum amount up to the limit of your policy. Unless specifically included, this coverage generally excludes protecting you from punitive damages, or from the repercussions of negligence or misconduct.

Our professionals at Security Professional Insurance Service are able to help you to find the perfect policy for your business and your needs. Because we offer a wide range of policies from a variety of providers, we have many different types of coverage available to you in order to match the varying needs of our customers.

In order to make your appointment, please contact us at (714) 408-7406.

***Roughly 12 Percent Of Businesses Face The Possibility Of At Least One Employee Claim!***


Orange County Business Liability Insurance Requirements

If you own a business in Orange County, business insurance is not currently mandated if you own and operate a business in the State of California. But even without a mandate, it is highly recommended as a result of the commonality and amount of payouts awarded.

Because the state does not cap the rewards of liability lawsuits, the courts in California have a negative reputation among business owners for awarding those who sue with extremely high payouts as a result of their lawsuits.

Because of this, we at Security Professional Insurance Service strongly advise our clients to take out coverage in order to protect them from potential damages.

Because there are so many different types of businesses out there servicing a wide range of clients and offering many different products, there is no standard amount of coverage we recommend that our clients carry. Each situation varies depending on the product you sell, your location, the risk factor involved, your amount of interaction with the public, and other factors. That being said, if you own a small business, Security Professional Insurance Service generally recommends taking out anywhere between $500,000 and $1 million of coverage. If you own and operate a business that is considered high risk, then we recommend increasing that coverage.

High risk business are generally retail shops with a high volume of customer interaction, or building trades.

If you have any questions or concerns regarding how much coverage your business should take out, or if you are considered a high risk business that should carry more coverage, please contact one of our Security Professional Insurance Service professionals at (714) 408-7406.

There are a number of factors considered when an insurance company is determining the cost of your premium, which all have to do with assessing the potential risk of offering coverage to your businesses. The higher the risk, the higher the premium. These factors include, but are not limited to, the services or products your company provides, the amount of people your business employs, the amount of time you have been operating, and your previous claim history.

***Roughly 12 Percent Of Businesses Face The Possibility Of At Least One Employee Claim!***


Your Professional Orange County Business Liability Insurance Provider

Finding the right coverage for your business is the most important proactive decision that you can make as a business owner. Your coverage can transform what could have been a financially crippling disaster into a minor setback, serving as a fundamental building block in your business model.

Security Professional Insurance Service has been working with business owners just like you for over a decade, helping them to find the perfect policies to match their needs. We have a wide variety of business liability insurance policies available to all over our Orange County customers, and are here to help you make sure your business and your family is safe in the event of an emergency.

Contact one of our professionals today at so we can help you find the perfect coverage for your business.

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