What’s really important, and Paramount knows this better than anyone, is that you purchase the amount of insurance that best meets your needs. Choosing to make a quick phone call to Paramount will connect you with an expert in this area and will get you one step closer to having great insurance.
Why would your California business need commercial general liability insurance? Lots of reasons. Do you or your employees interact closely with clients? Do you visit them or have them visit you? If the answer is yes, then this type of insurance applies to you. Do you have access to a client’s equipment in an IT sense? If so, you should be covered against potential claims with IT business liability insurance. Do you use third party locations for business related activities? This might apply to, say, architects, a group that has its own business liability insurance.
Even the best California general liability insurance policy will not protect you from everything. For example, it will not cover you against claims of negligence. Some businesses purchase additional types of liability insurance to ensure that there are no gaps in the program. For example, professional liability or E&O insurance, provides coverage for another person’s claims against businesses that provide professional and personal services. There’s also a business owners policy, or BOP, that combines well with general liability and property insurance. You get the picture. Paramount associates are standing by, waiting to provide you with all the right information to adequately protect the value your business creates. It’s their expertise that will make the insurance purchase as painless and well-informed as possible. Don’t let anything stand in the way of you and the perfect insurance program!
In California, general liability insurance does not cover damages or injuries resulting from expected or intentional acts. If an employee assaults a customer, your coverage would not cover damages if they sue.