Do You Need Public Liability Insurance?
Public liability insurance is an essential cover for most kinds of businesses, but what is it? And why do you need it?
Your business may seem safe, but it faces daily risks that could mean the end of your business for good–that is, if you don’t have the proper insurance. From things like fires, storms, theft, to even the risk that comes with having clients, public liability insurance is an essential cover for most types of insurance. It’s especially important for your customers that your business has the right amount and kinds of business insurance. Here are a few questions you need to ask yourself, as a business owner, if you need public liability insurance.
What is public liability insurance?
This kind of insurance covers a business if a customer suffers a loss or injury as a result of your business activities and if that person made a claim against you and your business. The insurance would then cover the compensation payment plus any legal expenses that concur with this claim.
What does it cover?
It covers the business’ legal liability to pay the damages to its member of the public for injury, death, or damage to their property. For example, if you hire a roofing company to work on your roof but they don’t use proper weather protection, you could make a claim against them to pay for the damages.
Why is it good for customers?
Even if your business does everything right, there’s still a chance of accidents happening. With the proper insurance, a business can operate knowing that should anything happen, their customers’ possessions could be replaced or repaired, and their medical bills could be paid for.
Finding the right business insurance in Calimesa, CA can help to keep your Southern California company covered in case a claim goes against your business. Serving Beaumont, Banning, Calimesa, Redlands, and surrounding areas, contact the insurance professionals at Little & Sons Insurance Services for all of your commercial insurance needs.