California General Liability Insurance. CA general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.
As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.
California general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in CA.
Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by California general liability insurance include:
The cost of your California general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.
In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.
Protect your company and employees with CA commercial insurance. Read informative articles on California small business insurance coverages - and how they can help shield your company from legal liabilities.
Learn about California construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your CA construction business from lawsuits.
Learn about California contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your CA business from lawsuits.
Read up on California commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.
Get informed about California professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.
Learn about California media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.
Learn about California real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.
Read valuable California retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.
Read about Washington auto service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.
Learn about California health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
Learn about California IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.
Learn about California restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.
Discover California business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.
Read informative articles on California manufacturing and wholesale insurance. Manufacturing and wholesale companies face many risks due to the nature of their business operations.
Learn about California commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.
Learn about California sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.
Discover what California commercial insurance policies cover for children and pet related businesses.
Find informative articles on miscellaneous CA businesses including the types of commercial insurance they need, costs and other considerations.
Find useful articles on business insurance for California non-profit 501(c)(3) organizations, charities and associations.
Read up on California arts and recreation commercial insurance.
Learn about CA agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.
Learn about California commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.
Read informative articles on California commercial insurance including costs and coverages.
If you are an entrepreneur and you considering having your operations located in California, it's essential that you have a full understanding about the economy of the state, as well as the regulations and limits that are in place for commercial insurance.
If you are considering opening up a business in the Golden State, you first want to make sure that it is a sound location for your operations. That means that you should understand some key information related to the state's economy, as well as the types of insurance coverages that businesses are legally required to carry.
In terms of job creation, the state of California exceeds rate of job growth in the United States; however, as the state's metropolitan areas are reaching employment capacity, job growth is starting to slow. In 2017, the rate of growth was 2.1 percent, which is the slowest rate of growth since 2011; but it is still expected to increase by 1.8 percent by the end of 2018, and 1.2 percent by the end of 2019.
In the month of April, the unemployment rate in California dropped to 4.2 percent, which is a record low. This unemployment rate is expected to remain consistent for the rest of the calendar year; however, it's forecasted that the rate will start to increase in 2019.
The strongest labor market in the state is in the Bay Area, where the unemployment rate was 3.4 percent in 2017. Southern California follows, with an unemployment rate of 4.5 percent in 2017. In the Central Coast region, the rate was 5.4 percent and in the Central Valley, it was 6.6 percent. While the unemployment rate is considered high in these areas, they have decreased dramatically over the last 12 month period.
The industries that are expected to see the most growth in CA include:
The California Department of Insurance regulates insurance in the Golden State. In the state of CA, commercial liability insurance is not required; however, since the state does not cap rewards for liability law suits, business owners are wise to invest in this type of coverage. The amount of coverage recommended varies depending on the size of the business and in the industry.
Workers' compensation insurance is the only type of coverage that business owners are required to have. This applies to any organization that employs a salaried or hourly staff, even if that staff only consists of one employee. Furthermore, if an employee is injured or becomes ill as a result of work, business owners must pay for CA workers' comp benefits.
Request a free California General Liability Insurance quote in Alameda, Alhambra, Anaheim, Antioch, Apple Valley, Bakersfield, Baldwin Park, Bellflower, Berkeley, Buena Park, Burbank, Camarillo, Carlsbad, Carson, Chico, Chino Hills, Chino, Chula Vista, Citrus Heights, Clovis, Compton, Concord, Corona, Costa Mesa, Daly City, Davis, Downey, El Cajon, El Monte, Elk Grove, Escondido, Fairfield, Folsom, Fontana, Fremont, Fresno, Fullerton, Garden Grove, Glendale, Hawthorne, Hayward, Hemet, Hesperia, Huntington Beach, Indio, Inglewood, Irvine, Lake Forest, Lakewood, Lancaster, Livermore, Long Beach, Los Angeles, Lynwood, Manteca, Menifee, Merced, Milpitas, Mission Viejo, Modesto, Moreno Valley, Mountain View, Murrieta, Napa, Newport Beach, Norwalk, Oakland, Oceanside, Ontario, Orange, Oxnard, Palmdale, Palo Alto, Pasadena, Perris, Pleasanton, Pomona, Rancho Cordova, Rancho Cucamonga, Redding, Redlands, Redondo Beach, Redwood City, Rialto, Richmond, Riverside, Roseville, Sacramento, Salinas, San Bernardino, San Buenaventura, San Diego, San Francisco, San Jose, San Leandro, San Marcos, San Mateo, San Ramon, Santa Ana, Santa Barbara, Santa Clara, Santa Clarita, Santa Maria, Santa Monica, Santa Rosa, Simi Valley, South Gate, Stockton, Sunnyvale, Temecula, Thousand Oaks, Torrance, Tracy, Turlock, Tustin, Union City, Upland, Vacaville, Vallejo, Victorville, Visalia, Vista, Walnut Creek, West Covina, Westminster, Whittier, Yorba Linda, Yuba City and all other cities in CA - The Golden State. Call us (323) 484-2100.