Murrieta CA Business Owners Policy
If you own a business, chances are that you have invested a lot of your precious time and hard-earned dollars in making it successful. But even if you have built your business from a two person operation into one that employs 200, it is never large enough to avoid mistakes that could lead to lawsuits. No business is invincible. The only way to make sure that your business will continue to grow and succeed it to insure it.
Every business needs a comprehensive business insurance policy. Typically referred to as a "BOP", a business owner’s policy can be tailored to fit the unique needs of your business. A BOP typically includes:
- Property insurance. With property insurance, your business's buildings, equipment, and inventory will be covered.
- General Liability.Anyone can make a mistake. If your employees are involved in a mishap that causes an injury, property damage, or monetary loss, liability coverage will protect you.
- Excess Liability. If disaster strikes- and you exceed your general liability limits- excess liability coverage will kick in and cover you.
- Vehicle coverage.Whether your business has one car, or owns ten, commercial auto insurance will cover any accidents that your business's vehicles may be involved in.
- Workers Compensation. Workers comp is usually legally required. It is essential, as a business owner, for you to purchase workers comp to cover possible employee injuries.
- Group Benefits.You won't get the best people to work for you if you don’t have a great group benefits package.
Purchasing a business owners policy can be confusing. To get coverage that meets the unique needs of your California business, call Hagar Insurance Services at 951-677-3631. Our friendly team of agents will explain your options, and fit your business with a comprehensive BOP that leaves you fully protected.