Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
California Glass Contractor Insurance
California Glass Contractor Insurance. A glass contractor is responsible for the installation of glass on a building. As a glass contractor, you will be responsible for the installation of decorative glass, mirror installments, glass cladding installation, stained glass installation and other construction glass work. As a business owner, your biggest concern is to keep your business protected. To do this, you must have the right California glass contractor insurance coverage.
California glass contractor insurance protects your business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Liability Insurance: The Most Important Commercial Coverage
Having California glass contractor insurance is a requirement in most states. Without it, you will not be able to work. To be known as a licensed CA glass contractor liability insurance must be a part of your insurance portfolio.
In most cases, before being hired, you may be required to present proof of this insurance. Also, as a subcontractor, the general contractor might have you register them as an additional insured on your liability insurance for the amount of time you will be working on the project. It works the same way if you hire subcontractors to work for you.
California glass contractor insurance also helps to protect your company from lawsuits. It helps with legal defense, court costs and any financial damages you may experience as a result of a lawsuit. Having the right liability insurance in place can protect your business against massive financial losses from lawsuits.
Commercial General Liability Insurance
With commercial general liability insurance, you protect your business from liability exposure. One thing you must know is that this insurance will not cover any damage caused by the inexperience of your employees. Any damage caused by negligence will be considered a business expense - unless you have professional liability insurance.
Umbrella Insurance Coverage
As a glass contractor, there may be times when mistakes happen while on the job. As a result of this, the limits of your commercial general liability insurance may not be enough to cover the costs. If there is property damage or injuries caused by you, then your plan may not cover it. If a general contractor imposes minimum liability coverage on subcontractors, then this might be more than the limits of your policy.
Thankfully this is why umbrella insurance policy is available. Umbrella insurance coverage provides extra liability insurance for any liability coverage type and helps to cover the areas your regular insurance policy might not have.
Employment Practice Liability Coverage
The employment practice liability coverage protects your business when an employee or former employee tries to sue your business. Whether it's for wrongful termination or discrimination, the employment practice liability coverage will keep you safe.
CA Commercial Auto Liability Insurance
As a glass contractor, you will have vehicles as a part of your business. When working on various projects, you may be required to transport glass sheets to the job site. Having commercial auto liability insurance is the best thing you can do to keep your vehicles protected. If an employee uses their vehicle to do work errands, then you should get hired or non-owned vehicle insurance policy. Having this type of policy in place protects your business from liability charges if the employee gets in an accident in their vehicle on work related errands.
The Importance Of Worker's Compensation
A CA workers compensation policy is very important for you business. It's so important most states require you to have it for any non owner employees before you can begin working. Typically before you're hired for a job the person hiring will need to know if you have this policy in place. Having this policy in place will protect the both of you in the case of an emergency. For even more protection, your client may ask you to get a waiver of subrogation.
If an employee gets injured on the job, this insurance will help with any medical costs. In the case of a fatality, it provides benefits to the surviving family of the deceased. Glass contracting work can put your employees at risk of injury, so it is always a good idea to do your best to keep them protected.
Business Insurance For Glass Contractors
As a glass contractor, your primary concern is to keep the interests of your business covered and your workers safe. Whether you're doing glass work on an already existing building or one in the process of being built you must have the right level of California glass contractor insurance. The last thing you want is your business to experience financial ruin because you didn't take the time to get the right insurance policies in place. Take the time to speak with an insurance professional and find the right insurance for your business.
California Economic Data, Regulations & Limits On Commercial Insurance
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.
Economic Trends For Businesses In California
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:
- Information Technology
CA Commercial Insurance Regulations And Limits
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.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Builders Risk
- Cable And Satellite TV Installer
- Chimney Sweep
- Contractor Liability
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Siding Contractor
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Swimming Pool Contractor
- Tree Surgeon
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
Request a free California Glass Contractor 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.
Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.