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.
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.
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.
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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