Owning and operating a small business or a large organization comes with a lot of responsibilities and accountability for your and your business actions. You could operate your business with the utmost care and provide your customers with the best quality and services but if a client is unhappy with your business and perceives you as wrong, you as a business owner are accountable and have to accept responsibility for these claims. To be able to protect your business so that you and it are safe from financial ruin wherever you may be, if its Arizona or California, business liability insurance is the answer. More than 78% of American businesses are structured as a partnership or sole proprietorship putting the business and the owner's personal liabilities at risk. Limited liability companies (LLC) and incorporated companies are also not exempt from having liability insurance although there is a common misconception that they are protected from personal liability.
Business liability insurance protects a business in the event of a lawsuit for personal injury or property damages. It usually covers the damages from a lawsuit together with the legal costs and can be purchased in many forms depending on the type of business owned. According to State Law, owners of California business must have liability insurance to ensure that in the event of actions being perceived as being negligent towards their employees such that they suffer from bodily injury or even death, the business owner will have adequate insurance cover to protect the business. For the most competitive prices and practical solutions that save your company time and money, buy California business liability insurance from P&A Insurance. The company has been operating for 25 years and provides all its clients with services that are Professional, Accessible and Innovative.
P&A Insurance can provide you as the owner of a California business with a liability insurance package that is personalized to suit your needs without additional costs. P&A Insurance offers businesses in California, business liability insurance of all types such as general liability insurance, professional liability insurance, product liability insurance and employment practices liability insurance. General liability is common for all businesses even in California. This business liability insurance protects the owner from lawsuits resulting from:
" Any bodily injuries that occur on the business premises to customers, employees, visitors or vendors.
" Property damage caused by employees.
" Injuries sustained due to negligence or the actions of one of the business employees.
If you are part of the professional industry and provide services such as a doctor, engineer, architect, financial advisor, attorney or accountant in California, the business liability insurance cover that you should have is known as the professional liability insurance. This cover protects professionals from personal claims made against them for errors made during the provision of their services such as a malpractice insurance for doctors or the errors and omission liability insurance for financial advisors. P&A insurance can offer professionals in California, business liability insurance depending on their profession and can also provide contractor's insurance even for new ventures, at extremely competitive rates with only 20% deposit required to start coverage. Other coverage provided for California business liability insurance includes product liability insurance that protects you if an item manufactured at your business results in death, injury, or an accident and employment practices liability insurance that protects you from lawsuits filed for wrongful termination, sexual harassment and/or discrimination. Contact P&A Insurance today by phoning, e-mail or online at www.prevotassociates.com and start saving money tomorrow!
