Los Angeles Business Liability Insurance

Los Angeles business liability insurance is necessary for any company that plans to give opinions, create solutions, make recommendations, or anything along those lines. Believe it or not, even if you're engaging in seemingly harmless activity (selling candy, for example), you need to have coverage. Why? Someone might slip in front of your building, and even if it's not your fault at all, you could be held responsible and face outrageous court costs.

Also, depending on your profession, you may need more than just Los Angeles business liability insurance. You might need an additional policy to cover you in the case of a malpractice suit, for example. Many professions, from home inspectors to accountants to technology specialists, require coverage in addition to Los Angeles business liability insurance.

Los Angeles Store Owners

If you're operating your own store in California, purchasing Los Angeles business liability insurance can save you a lot of trouble. A good California liability insurance policy will cover you if someone breaks a precious display case, for example. Also, if someone walks into your store and breaks a leg on spilt milk, you'll be thankful for that liability coverage.

Depending on what you're selling, you may also want to have a policy that covers your products. For example, if you're selling ovens, it's probably a good idea to have a policy that covers your products. Actually, it's also a good idea if you're operating a Los Angeles grocery store, too. What if someone chokes on a hair in their deli meat?

Also, some policies will protect you if there's a liquor related accident in your store; this is called liquor liability coverage. This policy is expensive, but it might be necessary if you anticipate drunken behavior. Obviously, if you're operating a bar, you should consider it.

California has a relatively loose dram shop liability laws, as compared to other states. In Los Angeles, your business could get in trouble if you sell alcohol to an obviously intoxicated minor, but not necessarily to an over-intoxicated drunk. If you were opening a bar in New Jersey, though, you could be in big trouble, because you'd be responsible for any drunk who walked in your door. In any case, if you're operating a bar, restaurant, or liquor store in Los Angeles, you may want to consider additional coverage for alcohol related incidents.

If you're opening a toy store, on the other hand, it may seem like lawsuits, injuries and other accidents will never happen in your store. Most likely, they won't. But, if anything does happen, you absolutely want to be prepared with appropriate coverage. There's nothing worse than having an unusual accident or lawsuit wipe out your Los Angeles business.

Specialty Businesses

Tanning salons, movie theaters and art galleries all need to have Los Angeles business liability insurance with specific additions.There are specialty insurance companies to help with liability for salons, day spas and so forth, but you don't necessarily need to go through a Los Angeles business that focuses on your industry. Instead, you just need to make sure all your specific needs are covered. For example, if you're selling expensive art in a gallery, all work will need to be insured at the appropriate level.

To figure out what kind of insurance your CA business needs, assess the various risks. Accidents can happen to property or to people anytime, so you need Los Angeles business liability insurance. You also need to consider your other risks. For example, do you have employees? If you do, you should probably have Employment Practices Liability (or EPLI) for your CA business.

Obviously, you don't want to any coverage that isn't necessary, because it can be very expensive. However, it is important to adequately assess your company needs and potential risk so that you can be well covered. Choose Los Angeles business liability insurance that will protect you well, and figure out what additional coverage you need.

Errors and Omissions Insurance

Errors and Omissions Insurance is for professionals such as insurance agents, architects, brokers and other professionals. However, while people traditionally think of only that set of professions, a number of other positions would benefit from an Errors and Omissions policy, including wedding planners, home inspectors, technology specialists and so forth. An error made by someone in any of those professions may cause financial (or personal) trouble for another, and, in turn, cause a lawsuit. Errors and Omissions coverage may be referred to as E &O, Professional Liability or Malpractice.

Los Angeles business liability insurance is different than E&O, or malpractice coverage. Usually, your Los Angeles business liability insurance will only cover property damage, bodily injury, or advertising injury, not professional mistakes. So, if you're a professional, you will most likely want additional coverage for you and your California business.

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