Friday, October 28, 2016

California small business insurance

California small business insurance

If you’re a small business owner in California and you are looking for liability insurance for your business, you have come to the right place! Taylor Company Insurance offers Hiscox for California small business insurance coverage for a wide variety of professional services businesses in San Diego, National City Ca 91950.

Liability insurance available in California 

We don’t offer a one-size-fits-all insurance plan. We tailor our small business insurance in California to meet your needs. Hiscox small business insurance products include:

General liability insurance also known as Commercial General Liability (CGL) protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property.

  • Bodily injury: A client falls over your bag and you are legally liable for the injury. We will cover the subsequent claim and related medical expenses up to your General Liability policy's limits of liability.
  • Property damage and data loss: You spill coffee on a client’s server causing damage and loss of data. We will cover the subsequent claim up to your General Liability policy's limits of liability.
  • Personal injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy's limits of liability, and pay for an attorney to defend you if necessary.

Learn more about general liability insurance in San Diego, National City Ca 91950.

Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance) is coverage for another person's claims against businesses that provide professional and personal services. Some examples of what could be covered are below:  

  • Protection even if you haven’t made a mistake: You advise a client to change some internal processes to increase productivity. The recommendations aren’t implemented as you had specified and productivity subsequently drops by 15% rather than improving. Or if you manage the development of a new product. There are problems with the project (which are out of your control) and you cannot deliver the final product in a timely manner. If your client sues you, we  will appoint an attorney to defend you under a Professional Liability policy.
  • Negligent acts: You advise a client to update their employment practices. Six months later, your client contacts you, stating a part-time employee is suing the company. You had left out a key requirement on the amount of hours part-time employees are permitted to work. If your client sues you, we will appoint an attorney to defend you under a Professional Liability policy.

Learn more about professional liability insurance San Diego, National City Ca 91950.

Business Owners Policy (BOP) is a combination of general liability and business property insurance. BOP insurance is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:   
  • Office insurance for fire and business interruption.
  • Electronic data loss insurance.
  • Hired or non-owned vehicle liability insurance.
  • Commercial Crime insurance to cover the dishonesty of your employees.

Learn more about business owners policy San Diego, National City Ca 91950.

Example professions we insure in California:


Give us a call to bundle and save on your Business/Commercial insurance policies today! San Diego, National City Ca 91950

Taylor Company Insurance & Financial Services
Patrick Patterson
President 
Cell: 760.566.8544
Office: 619.477.6330
Fax: 619.477.1882

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