|
Business Insurance In San Diego, Orange County and Southern California
Protect your business against most types of losses with a multi-coverage package policy tailored to your special needs—a package that helps avoid both dangerous gaps and costly duplications.
Because it’s a package, your policy will often cost less than the same coverages under separate policies. And sometimes, because it’s a package, you might get something you don’t necessarily think you need.
The following is a general description of the coverages in a package policy. The policy itself should be read for actual coverages and exclusions.
Property Coverage insurers against loss or damage caused by fire, lightening, windstorm, hail, explosion, smoke, vandalism, aircraft, riot, and civil commotion. Some policies contain all risk coverage which includes most other coverages like theft and those things that are NOT listed as excluded under the policy.
1. Business Interruption Coverage and Extra Expense increases protection for loss of use while out of business for a covered loss.
2. Replacement Cost allows for you to replace your property with new for old.
3. Personal Property of Others while on your business premises.
4. Improvements and betterments to buildings not owned by you but made on your behalf.
General Liability protects against nearly all business perils including unknown things, subject only to a few common sense exclusions. Usually included are defense costs including lawyer’s fees and court costs plus reasonable fees you may incur as a result of your loss of earnings.
1. Products and Completed Operations can be included depending on the type of business you operate. This protects against bodily injury or property damage for claims arising out of the products you sell or services you render after you have relinquished control to the buyer.
2. Professional Liability depending on your type of business provides errors and omissions coverage or malpractice insurance.
3. Personal Injury Liability covers legal liability for false arrest, slander, defamation of character, libel, malicious prosecution, invasion of privacy.
4. Business Premises Medical covers necessary medical treatment incurred within one year, resulting from injury on your premises to persons other than you or your employees.
Automobile coverage for employer non-ownership covers your legal liability, including defense costs as the result of any employee or other person’s use of any vehicle not owned or hired by you when used to benefit your business. Owned or hired vehicles covers bodily injury or property damage liability for any vehicles you rent or use in the conduct of your business.
Other coverages you can add for additional premiums are Boiler and Machinery, Crime, Employee Dishonesty, Money inside and out, and an Umbrella.
Let us provide you with a Business Insurance Quote in San Diego, Orange County and Southern California today.
|
