Business & Commercial Insurance
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Business & Commercial Insurance Information
Business Insurance in California
Serving Simi Valley, Los Angeles, Rancho Cucamonga, Oxnard, and the surrounding area.
When searching to insure your business from claims and accidents, you will come across a variety of coverage options and high premiums. No two business insurance policies are created equal and it is important that you properly shop around and compare quotes to find the insurance policy tailored for your business.
At Tailored Werks, our dedicated agents have access to top insurance providers meaning that we can help you find the best price for the right coverage designed for your business’ needs. Our professional staff will help evaluate your risks and match you with a business insurance policy fit for your coverage and budget.
What Does Business Insurance Cover?
Business insurance is an umbrella term to describe several different insurance coverages all designed to cover different areas of commercial risk. Some of the most basic and important business insurance coverages include:
General liability insurance covers claims against your business regarding bodily injury, property damage and personal or advertising injury. If someone is injured on your business’ property, such as in your store, general liability insurance can help cover the victim’s medical bills. It can simultaneously protect your business against a related lawsuit by providing compensation for legal fees, defense costs and more. You can enhance your general liability insurance policy with .
Commercial Auto Insurance
Commercial auto insurance covers vehicles owned or used by a business for work purposes. If you have company cars, trucks or other vehicles to operate certain aspects of your business, you will need commercial auto insurance. These policies offer a lot of the same coverage as a
policy such as comprehensive coverage, collision coverage, liability, uninsured/underinsured
motorist and medical payments coverage.
Workers compensation insurance is designed to protect your employees and your business in case a worker is injured on the job. If one of your employees strains their ankle working in one of your warehouses, workers compensation insurance can help pay for their related medical bills and wage replacement in case the employee is unable to work for a certain period of time after the accident. This also covers disability benefits and, in extreme cases, death benefits.
Protect Your Business with Tailored Werks
Let the insurance professionals at Tailored Werks protect your California business. Call us at (805) 558-8437 or fill out a quote form to get started today.
Common Business Insurance Questions
When Do You Need Business Insurance for a Car?
If your business owns or uses vehicles for work, you will likely need commercial auto insurance. If you run your own business, speak with an insurance agent about your coverage needs, as things like simply commuting to and from work don’t qualify as business purposes.
How Much Insurance Does a Small Business Need?
Every business is different no matter what the size, so speak with an insurance agent about your industry and coverage needs. In general, you should have enough coverage to completely cover your physical assets and liability dangers you may face.
What Business Insurance is Required by Law?
Insurance requirements for businesses vary state by state. All vehicles, both personal and commercial, must be insured with minimum liability. Workers compensation insurance is also required in the majority of states, including California.
How Does Business Insurance Work?
Business insurance works a lot like other insurance policies where you typically pay monthly premiums in return for coverage. As long as the policy is active, you can file a claim and receive compensation for the damages.