What commercial insurance covers in California

Commercial insurance covers several risks associated with running a business, including liability, property damage and loss, equipment damage or breakdowns, cyber hacks and data breaches, employee injuries or illness, workers’ compensation claims, and more. Commercial insurance can also protect businesses from financial losses due to natural disasters or unexpected legal issues that could disrupt operations.

Depending on the type of business you have and the policies you choose to purchase, you may be able to get coverage for specific areas like product liability or professional services errors and omissions. Depending on your particular needs, you can add other coverages to your policy. For example, most commercial insurance policies include general liability coverage designed to protect businesses from third-party claims and lawsuits related to bodily injury or property damage, advertising injury, medical payments, and personal & advertising injury. Other types of coverage that may be included in a commercial insurance policy are business interruption, equipment breakdown, cyber liability, employment practices liability, and more.

Commercial insurance policies are tailored to meet the needs of each individual business based on their operations, customer risks, and more. Business owners need to understand all the different coverages available to ensure they have the best protection for their business. Working with an experienced independent agent or broker will help ensure that your policy is up-to-date with all the protection you need. Commercial insurance gives businesses peace of mind knowing they’re covered if an incident shuts operations down.

If you have any questions about your commercial insurance needs, call us at Murvay Insurance today. We proudly serve the Newport Beach, CA area.