Business Owners Packages: Provides
more than just Liability Insurance
coverage for your business.
We provide Workers Comp for these
industries; aerospace, health care,
wholesale, retail, labor.
Covers all commercial property used
for Commercial, Industrial or
Affordable Professional Liability
Insurance (E&O) for insurance
agents, architects, engineers etc.
COMMERCIAL LIABILITY FOR PEACE OF MIND
Liability Insurance for Small Business
Protect your company from financial loss due to accidents, product failure and
legal liability. In today's competitive business environment, you can't suffer a
financial loss due to unforeseen problems. Let us help protect you and your
company with quality liability insurance.
Call today for your personalized liability quote 805-262-2937
When you own a small business, you have responsibility for your customers,
staff and yourself. But you are also responsible for what happens when people
use your product or service or step foot on your premises. Successful business
owners understand this. When owners ignore this issue, they usually don’t stay
business owners for long. So if you are interested in being self employed (or
staying in business), this post is for you.
Some people think they can avoid the expense of liability insurance if they
structure the business as an LLC.
Regardless of how you set your business up, you need liability coverage.
Personal liability extends to owners when they personally guarantee loans,
have personally injured someone or acted improperly.
Over 78% of all U.S. businesses are structured as a partnership or sole
proprietorship, according to Bizstats.com. For the majority of small business
owners, this form of ownership puts your business and personal liabilities at
risk. Owning business liability insurance protects both your business and
personal life from financial ruin. There is so much at stake and the cost of this
business insurance coverage is so inexpensive that you’re really not doing
yourself any favors if you don’t protect yourself by having business liability
insurance – regardless of how your business is structured.
What does Business Liability Insurance cover?
If you get sued for personal injury or because of damage to property, you’re
covered for the claim and the legal defense costs with most policies.
In many cases, you can buy a generic policy known as General Liability
Insurance. This will provide the benefits mentioned above. If you provide
professional services, you should consider buying errors and omissions
insurance in addition to the general liability policy. If you manufacturer a
product, you should protect yourself with a product liability insurance policy.
Why Do I Need Commercial Insurance?
Without the right business insurance coverage,
your business could suffer financial ruin due to a
catastrophic loss or legal lawsuit. Obtaining
commercial insurance unique to your business
needs will allow you to plan for the worst case
scenario, maintain a successful, viable business
and provide peace of mind. Review and assess
your business needs often for complete
protection of your business.
Commercial Insurance Agent Shana Spiker Lic #0G62979
Phone 805-262-2937 Fax 805-233-6481
SJB Insurance Agency 501-I South Reino Road, Suite 364, Newbury Park, CA 91320
Insurance Solutions For Your Company
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Serving all your Commercial Insurance Needs