If you own a small business with fewer than 100 employees, you will need a business owners insurance policy in the state of California, and the Wynn Insurance Agency has you covered.
A business owners insurance policy offers several types of coverage, including two types of coverages required under California law: general liability insurance and commercial vehicle liability insurance.
This type of insurance is created to protect business owners if an accident or other incident happens at their business or because of their business to a customer or others. For example, if someone is visiting the restaurant you own, and they slip and fall on a wet floor, this policy will cover their injuries. If you own a tree-trimming service and your employee drops a branch on a passerby, this type of insurance will pay that person’s medical bills. It also covers property damage, so if your employee drops a tree on the house, this part of your policy will cover any damages caused by the incident.
If you use vehicles owned by your business to conduct business, you must obtain a liability insurance policy to cover any damages or injuries sustained by others in an accident deemed to be your fault or the fault of one of your employees. This type of coverage will cover the medical bills for people injured in the crash, along with any property damage.
You have invested money, time, and energy into your business and will want to protect it, which you can do by having not only the minimum amount of insurance but insurance that will cover theft from your business or a break-in of the property. You will also want insurance that will cover your business's repairs or replacement if it is damaged or destroyed by a fire, vandalism, or a natural disaster.
To create the best commercial insurance policy for your business, enlist the assistance of an experienced business owner's insurance agent. The trusted and knowledgeable insurance agents at the Wynn Insurance Agency in California are ready to assist you. Call for an appointment today!