Business & Commercial Insurance
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Business & Commercial Insurance Information
California Business Insurance
Richard Turner Insurance offers Affordable Business Insurance in San Diego, CA
By itself, California would be one of the world’s largest economies. If you are one of the millions of business owners who populate the Golden State, you need to be able to rely on the coverage provided within a strong commercial insurance portfolio.
Your insurance benefits are an important part of your risk management strategy, and you must tailor them appropriately if you want to maximize their full benefit. The expert agency team at Richard Turner Insurance is committed to helping you achieve that goal.
To get your policy bundle started:
Common Business Insurance Questions
What Is Business Insurance?
There is not a single policy called business insurance. The business insurance marketplace includes a myriad of plan options. They are designed to protect your business’s property, employees, clients and financial assets against both the everyday and industry-specific liabilities that always beckon.
There is always a chance that something could go wrong when you are just trying to do your job. You can trust your various business insurance policies to be there to help you as you work to recover from these hazards. Because there are many different types of plans on the market, you will likely need several to ensure you receive full benefits.
What Does Business Insurance Cover?
As long as you have the appropriate insurance benefits in place, you will have a way to receive financial assistance when property damage, injuries, lawsuits and other losses occur. That way, you won’t spend incalculable company funds when trying to pick up the pieces, and you will be able to maintain your company’s stability and viability as a result.
What Coverage Does My Business Need?
Among the essential benefits that your business likely needs are:
Property Insurance: If something damages physical property – such asyour building or possessions - then this coverage can help you repair or replace them.
General Liability Insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
Business Interruption Insurance:This helps you pay the bills if you must temporarily close after a damaging accident.
Commercial Auto Insurance: When the company owns vehicles, this coverage will provide the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
Workers Compensation Insurance:If an employee gets hurt on the job, they are often eligible for workers compensation coverage. It will provide them supplementary income during their recovery.
Errors & Omissions Insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
Surety Bonds: If you are contractually obligated to certain clients, then bonds will guarantee them that you will repay them if you cannot meet your obligations.
Of course, there are numerous other policies available designed to protect you against specific risks and liabilities. These include:
Products/Completed Operations Liability Insurance
Cyber Liability Insurance
Umbrella Liability Insurance
Hired/Non-owned Auto Liability Coverage
All policy options are customizable. Our agents will work with you to determine both what policies you need, and how much coverage they need to offer in order to give you the highest amount of coverage.