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Commercial Insurance

Introduction to Commercial Insurance
General Liability Coverage
California Commercial Insurance Law
Businsess & Commercial Insurance Risk Types

Introduction to Commercial Insurance

Commercial insurance has a very broad spectrum of business classes. Throughout history whenever business has been conducted there has been a risk of a financial loss, and commercial insurance policies provide financial protection for the business from such losses. Whether the business insurance is mandatory like in the case of worker’s compensation insurance in some states like California, or a basic General Liability Insurance that’s required by the property landlord of the business establishment; an insurance agent experienced and knowledgeable in commercial insurance can help you find a policies that will protect you and your business.

General Liability Coverage

If a customer slips and falls on your business property, they can sue you and your business. Commercial General Liability policies offer protection that includes slip and fall accidents and much more. Businesses that rent or lease their location are required by most landlords and lessors to have such policies in-force, before they can move it. The reason is your landlord can be sued and named in the lawsuit against you and your business too.

California Commercial Insurance Law

California requires commercial vehicles to maintain certain minimum liability limits that are higher than regular vehicles for personal use. Worker’s Compensation Insurance is also mandatory by law in California, and not having a worker’s compensation insurance policy for a business can result in high fines by the state.

Business & Commercial Insurance Risk Types