#1 Trusted General Liability Insurance San Diego, CA

Why Small Businesses in San Diego Choose Our General Liability Insurance?

If you want to avoid risks associated with your small business, H&M Insurance company in San Diego, CA, has the right solution for you. Whether you are in constant contact with the clients, partners, products, and equipment, excellent general liability coverage can save you time and money. Our experienced team of dedicated individuals will choose the policy that will not leave anything out at affordable prices. Comparing and finding the right insurance plan among various insurance underwriters in the market is our primary goal.

Most small companies need general liability insurance coverage, so we offer several coverage options:

• Business interruption insurance – when some unfortunate event happens, like disaster, this policy covers the loss of income as a result.
• Crime insurance – when the loss of incomes result from different forms of theft, this type of policy will cover it.
• Personal and advertising insurance – it provides a coverage for copyright infringement, slander and libel.
• Product and completed operations insurance – is a protection from property damage and bodily injury that occurs away from your premises that are caused by your work or your products.
• Employment-related practices insurance – covers wrongful termination, wrongful refusal to employ, defamation claims, or invasion of privacy made against you by an employee.
• Fire legal liability – covers fire damage caused by your negligence in the premises you rent or occupy.
• Directors and officers insurance – coverage for situation where a company’s board of directors or officers made a poor decision that resulted in a claim for damage.
• Liquor insurance – protects you against claims for injury for selling, furnishing, or serving any alcoholic beverages during your business operations.
• Umbrella insurance – extends coverage over and above your other liability coverage. It can protect you when the policy limits of one or underlying policies have been used up.
• Hired and non-owned auto insurance – provides the coverage for short-term auto rental or when employees use their personal car for business.

FAQs

What is General Liability Insurance?

General liability insurance covers the risks the small businesses face every day. It provides financial support for the potential accidents that can happen at a company. It is also known as commercial general liability (CGL) or small business liability insurance. It is the most common insurance for small businesses, no matter what your industry is. It is typically the first policy purchased by new business owners.

Is General Liability Insurance Mandatory in California?

Well, generally not. It is not required by law in California. Still, some states and cities will not give you a business permit if you do not have a Certificate of Insurance (COI). It will also protect your business from unexpected expenses, and it will give you peace of mind – shows that your company is trustworthy and reliable.

What Does General Liability Insurance Cover?

It covers your business from the most common types of accidents that can affect your business and lead to lawsuits. Business liability insurance will cover:

• Claims by third parties for their bodily injury, for example, if your client trips and falls in your shop.
• Medical expenses for each injured person.
• Advertising injury, for example like unintentional use of a third party’s idea.
• Physical damage to someone else’s property in a business environment.
• Defense costs, in case you are sued for a general liability claim because legal and lawyer fees can easily exceed thousands of dollars.
• Personal injury, such as slander.
• Judgment and settlements.

How to Choose Liability Insurance?

Every business has its own unique needs and specific risks, so there is no general insurance plan that will suit every small business. Before the quoting process, it is advisable that you get the required information and documents, like basic contact information, your business’ location, details about your business premises, what kind of work your business does, risks, the number of employees, and many more.

After you review your business characteristics and determine your needs, you can contact H&M Insurance to find the best general liability insurance plan tailored to your specific needs.

How Much is General Liability Insurance?

There is no single answer to this question because different factors affect each business differently. Some of them include:

• Your business type;
• Location of your business premises;
• Number of workers;
• Years in business;
• Number of customers;
• Annual revenue;
• History of claims