Setting up a small business in California can be a challenge. Purchasing commercial insurance from Valueguard Insurance Services, Inc. makes it a whole lot easier. We’ll assess your company’s risks and help determine the scope and amount of commercial coverage you need. Here’s how commercial insurance can protect your California business in a time of need.
A basic commercial policy has much to offer in the way of protecting your fledgling enterprise from financial loss. Here are some of your coverage options:
Your choice of coverage will depend on the type of business you run and the risks it faces for financial loss.
Every small business should have property coverage. Property insurance protects your building, business equipment, and products against such perils as fire, storm damage, lightning strikes, theft, and vandalism. By adding flood insurance to your package, you can obtain protection against flood damage as well.
If your business receives customers regularly, liability is a must to protect you against accidental injuries that may occur on your business site. You never know when an accident will send someone to the hospital, leaving you liable for their medical costs. Liability protects you from liability claims and the risk of a lawsuit if you’re sued for damages.
Business interruption compensates you for loss of revenue, payroll, lease of business property, and other business expenses if your business has to close temporarily due to a significant disaster. This financial support can help keep your business afloat until you can get back on your feet.
Worker’s compensation is mandatory in California if you have one or more employees. It covers lost wages and medical costs of workers who are injured on the job, so these funds don’t come out of your business assets.
To obtain commercial coverage for your California enterprise, call or visit Valueguard Insurance Services, Inc. today.
