You went into business to build something — for your future, your family, and your employees. Just like you protect your family with solid insurance policies, you need to cover your business just as much, if not more. Don’t let one bad lawsuit or one big storm or accident ruin you financially.
At IBW, we’re committed to helping California businesses have proper protection against whatever comes your way. In today’s business world, that can be almost anything. No two businesses are exactly alike, and your insurance coverage shouldn’t be either. We’ll work with you to put together the perfect California business insurance policy for your needs.
Regardless of size, all businesses need general liability coverage. This protects you when a client, customer, or vendor gets hurt, is the victim of theft, or is injured while doing business with you or your company.
Protect your physical commercial property with the right coverage. When disaster strikes, your policy will help you rebuild and get back to business in no time. The building, equipment, signage, and inventory can all be covered.
Have a fleet of vehicles or using your own car to make deliveries or do business? Your personal auto insurance won’t cover you. You need commercial vehicle insurance to make sure an auto accident doesn’t derail you or your business.
Any functioning business in the 21st century is at risk of data breaches and hacks making cyber liability coverage as important as general liability coverage. From payment information to employee data stored on a computer, once the information is hacked, stolen, or compromised, you’re liable for the damage.
Employment Practices Liability
You do your best to run an ethical, thriving business. One bad supervisor or angry ex-employee can have you in a courtroom dealing with legal fees and paying possible damages from accusations of discrimination, harassment, and other bad practices. Protect yourself and your business with employment practices liability insurance.
Workers’ comp coverage is legally required in California and in most of the rest of the country. That doesn’t mean you should overpay for it. With the right workers’ comp policy, both you and your employees are protected when someone gets hurt or injured on the job.
Otherwise known as umbrella insurance, excess liability coverage protects you from the claims your other liability insurance can’t fully cover. It might be a once-in-a-lifetime accident or claim but without excess liability coverage, it only takes one big claim to put you out of business.
You have responsibilities as a business owner that most people can’t understand. It’s not enough to make a profit and pay your employees. You have to guard against the expected and unexpected risks. Let our agents help you prepare for both with the right comprehensive insurance coverage for your business needs. Contact us today!