This particular policy is standard for most small and mid-sized businesses. It offers coverage from most commercial property damage for building structure, inventory, and equipment, along with commercial general liability coverage.
Most plans also cover some sort of loss of income coverage if you’re unable to operate your business as a result of a fire or other catastrophe. This particular policy does not cover professional liability, workers’ compensation, or commercial vehicle insurance coverage.
The state of California has strict requirements about workers’ compensation insurance. Beyond that, however, your employees are the life blood of your business. You want to protect them in order to keep spirits high, foster loyalty, increase engagement, and, as an unintended reward, improve your own profits.
Little and Sons Insurance Services understands that despite your best efforts to keep a safe workplace, accidents happen. We have the policies available to make sure your employees and your business are covered when they do.
Businesses must be especially careful when operating business vehicles that there is adequate insurance coverage to protect the needs of the business. Proper insurance is even more important for business vehicles than for personal vehicles, in many cases.
Standard policies commercial auto policies include coverage for bodily injury liability, property damage liability, medical payments, and personal injury protection (PIP).
Little and Sons Insurance Services knows that it’s better to go above and beyond standard coverage and offer the following protection for those who are interested in obtaining it.