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Do I Need Commercial General Liability Insurance for My Business?

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Why Do I Need Commercial General Liability Insurance for My Business in San Diego, CA

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Commercial general liability insurance is a type of broad-scale liability insurance intended for businesses. Essentially, it’s a form of insurance that covers all the common sorts of liability claims a business might encounter during typical operations. Just about any company can benefit from commercial general liability insurance, but it’s particularly helpful for a few specific types of businesses. If they aren’t sure what they need in terms of business insurance, San Diego business owners should contact their insurance agents to make sure they have the coverage necessary to protect their interests.

Contractors

Contractors who work on a variety of construction projects need this type of insurance because the unique nature of their work puts them at high risk for liability claims. Many customers won’t even hire contractors without general liability insurance because they want to make sure they can get compensated if the contractors accidentally damage their property or equipment. 

Retail Locations

Anyone running a retail business can use general liability insurance to protect them against claims about faulty, harmful, or incorrectly advertised products they might sell. However, general liability insurance is even more important for retail locations where the public can enter the stores. For instance, it can protect the business owner from a claim if a customer is injured on the site. 

Repair Shops

Any business that’s regularly handling client property should have liability insurance in case something goes wrong and a customer’s property is lost or damaged while it’s at the business. Stores that regularly take in customers’ phones, musical instruments, or tools to fix them will need insurance to cover all the items they’re entrusted with each day.

Landscaping & Home Cleaning Services

Since people in these types of businesses are constantly visiting clients’ homes, they need liability insurance to protect them in case damage happens to the home or lawn. Liability insurance can also help in case someone gets injured while coming into contact with the dangerous tools or chemicals these businesses use.

Restaurants

Since restaurants have the important job of handling customers’ food, they need to be prepared for potential liability claims related to personal injury issues. General liability insurance has the ability to protect business owners from claims others make about bodily injuries, so it can be used to cover problems like people getting sick after meals, being injured in their kitchens, or slipping on wet floors. 

Small Business Owners Operating Out of Their Homes

Most homeowners insurance policies won’t cover claims that arise from the course of commercial activities. Therefore, people operating businesses out of their homes, ranging from jewelry creators to daycare providers, should get general liability insurance. In addition to protecting from personal injury claims, this type of policy can also protect from claims due to advertising or social media mistakes, which can be very common when small business owners are first starting out.

If you’re a business owner, make sure to protect your business by purchasing the right insurance coverage. For affordable, reliable business insurance as well as homeowners, renters, motorcycle, and auto insurance, San Diego residents call on the trustworthy professionals at Altra Insurance Services. Reach out to us today at 619-474-6666 to learn how we can satisfy all your insurance needs.

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