Insurance is available for nearly any risk your California business may encounter. Some insurance, such as worker’s compensation, are required under California law, but most insurance is optional. The insurance options you choose to carry are important to the success of your business. Even a seemingly minor incident can be financially devastating for a business that is not properly insured. At Moncali Insurance, we work closely with businesses throughout Madera, Fresno, Carlsbad, Encinitas, Rancho Santa Fe, and Cardiff, to provide customized business insurance solutions that offer the protection you need.
California business insurance policies can provide coverage for:
- Damage or loss to a business location and its contents.
- Lawsuits arising from injury or property damage to others.
- Commercial vehicles.
- Interruption of normal business operations.
- Benefits for employees who are injured or become sick on the job.
General liability, property insurance, and workers’ compensation are some of the most common coverages that nearly all businesses will carry.
General liability insurance protects you against claims of negligence and from lawsuits associated with injury or property damage that third parties may suffer while on your premises. Your policy will cover damage, medical, expenses, and attorney fees related to these incidents.
Property insurance protects California business from unexpected damages resulting from events such as fire, hail, and other various natural disasters. Damage or loss to your physical assets including buildings and their contents are covered under property insurance. This can include office furniture, inventory, we well as outdoor items such as landscaping or signs. Vandalism and theft of property are generally covered as well.
California law requires all businesses to carry worker’s compensation insurance. Workers’ compensation is a no-fault system. In the event of a workplace-related injury or illness, workers’ compensation ensures employees receive prompt medical treatment and adequate compensation for lost wages. Under this system, employees receive medical treatment and compensation while employers are protected from lawsuits associated with the cause of illness or injury.
Businesses can choose a number of optional coverage types including commercial auto insurance, errors and omissions insurance, directors and officers insurance, data compromise insurance, and much more. It can be an overwhelming task trying to determine what policies you need to be completely protected. At Moncali Insurance, we build relationships with our clients so that we can fully understand their needs and goals which allows us to provide the most comprehensive business insurance solutions.
Contact Moncali Insurance today to speak with our experienced agents about the commercial insurance options needed to protect your businesses. We specialize in offering comprehensive business insurance solutions to local businesses throughout Madera, Fresno, Carlsbad, Encinitas, Rancho Santa Fe, and Cardiff.