What is business liability insurance?
Business Liability Insurance is also known by several other names: General Liability (GL), business general liability insurance, commercial general liability insurance (CGL) or Commercial General Business Liability. Whew! It’s ok to use any of these names – we’ll know what you are talking about. Get business liability insurance in Napa, CA and Sonoma, Fairfield, Vallejo, Santa Rosa, Benicia and Vacaville. Call us today at (707) 931-0186.
“Oops” is a word we hear too often in our places of business. But it’s a reality. People make mistakes. Employees make mistakes. And we, as the business owner, are usually left holding the bag for these mistakes.
What are some of the most common “oops” that can cause a lawsuit, and how can business liability insurance help?
“Oops” is a word we hear too often in our places of business. But it’s a reality. People make mistakes. Employees make mistakes. And we, as the business owner, are usually left holding the bag for these mistakes.
What are some of the most common “oops” that can cause a lawsuit, and how can business liability insurance help?
Premises and Operations
This is a fancy way of saying that your employee left a tool laying on the floor, and a customer tripped over it and ended up in the hospital. And they sued. Yes, we can cover that.
Products and Completed Operations
You know that you made that repair at the customer’s home perfectly. It was one of your best repairs. Until it wasn’t, and it broke. Now your “former customer” is angry, and suing you. Yes, we can cover that.
Cyber Liability and Data Breach
You’ve been hacked. It’s ok, it happens to most of us at some point in time. But it’s not really ok, because your confidential customer records could be being traded on the black market. It’s a nightmare, and you need professional help – and a good lawyer. Yes, we can cover that.
Employment Practices Liability
You hired them. Now you have to fire them. This is never fun. But it’s even less fun when they hire an attorney and sue you for wrongful termination. The old adage, “anyone can sue anyone for anything” is especially true when it comes to unhappy ex-employees. You have to pay for an attorney even if it’s a trumped up charge. Yes, we can cover that.
Ask us for more details about these typical coverage options in your Business Liability Insurance policy:
Here is a great article from the SBA about liability insurance.
Ask us for more details about these typical coverage options in your Business Liability Insurance policy:
- Defense Costs
- Bodily Injury
- Medical Payments
- Libel & Slander Claims
- Property Damage (damage to someone else’s property)
Here is a great article from the SBA about liability insurance.