If you are a California business owner, you are likely very aware of all the hard work that goes into building and managing a business. When you are looking to develop your business, it is crucial that it is adequately covered by insurance to shield you from liability events and other perils. When you are considering your business insurance needs, there are several types of coverage that you need to make sure you have in your commercial insurance policy.
The biggest risk that any business owner has is the risk of being sued for liability. If your business happens to sell a product or service, you are taking on risk whenever you sell it to a customer, and the customer uses it. If someone is injured as a result of something that your business produces, you and your business could be found liable. Because of this, having a full liability insurance policy included in your commercial insurance policy is very important.
The state of California has one of the strictest laws in the country when it comes to workers compensation. In this state, you will be required to carry workers compensation by law if you have even one employee. This type of insurance is extremely beneficial as it will provide coverage to an employee that is injured while working for you. Due to the importance and necessity of having coverage, making sure that you have proper workers compensation in place at all times would be very beneficial for your business.
If you own a business in California, you should reach out to KC Wilson Insurance & Financial Services LLC to learn more about commercial insurance policies. When you meet with KC Wilson Insurance & Financial Services LLC, our agency in San Jose, CA will work hard to make sure we understand your business to assess your insurance needs better. Our agency could then make sure you acquire a great policy that covers you and your business. Reach out to our agents in San Jose, CA to get a quote and get started on a policy.