Yuba City General Liability Insurance – Oakview Insurance Services
Looking for General Liability Insurance in Yuba City?
Are you a business owner in Yuba City searching for General Liability Insurance? Oakview Insurance Services, Inc. has you covered. One claim can financially cripple your business, so it’s crucial to have adequate coverage from a highly rated carrier.
General Liability Insurance (also known as CGL for Commercial General Liability) is the basic form of commercial liability coverage. For business owners, having General Liability coverage is mandatory, not optional.
At Oakview Insurance Services, Inc., we represent a wide range of General Liability Insurance companies in California and can help match your business with the best provider and pricing.
What Does General Liability Insurance Cover?
Running a business is inherently risky, but General Liability Insurance protects against many known and unknown risks. Simply put, CGL protects you, your business, and your employees from claims involving bodily injury or property damage arising from your business operations. These policies cover the costs of out-of-court settlements, litigation, and court-awarded judgments. Often, CGL is paired with BPP (Business Personal Property) coverage in a BOP (Business Owners Policy).
Here are a few things you can expect General Liability Insurance to cover:
- Bodily injuries
- Property damage
- Personal injury, like libel or slander
- Advertising injury
- Copyright infringement
- Reputational harm
What General Liability Insurance Does Not Cover
General Liability Insurance provides essential protection, but it does not cover every type of claim. To ensure comprehensive coverage, additional policies may be needed for specific risks. Here are some exclusions and the types of insurance needed to cover those gaps:
- Commercial Auto Accidents: Damages from auto accidents caused by you or your employees while driving for work are not covered. A Commercial Auto Insurance policy is necessary. For businesses without company-owned vehicles, Hired and Non-Owned Auto Insurance provides coverage. Many states mandate specific types and amounts of auto insurance coverage, such as bodily injury liability and property damage liability.
- Employee Injuries or Illnesses: Injuries or illnesses suffered by employees due to their work are not covered. Workers’ Compensation Insurance is required to provide benefits for employees recovering from work-related injuries or illnesses, including medical bills and ongoing care expenses.
- Damage to Business Property: General Liability Insurance does not protect your own business property. A Commercial Property Insurance policy is needed to cover owned or rented buildings and business equipment.
- Professional Errors or Mistakes: Claims related to errors or mistakes in professional services provided to clients are not covered. Professional Liability Insurance (or Errors and Omissions Insurance) is necessary to cover legal costs if a client sues for damages due to faulty services or advice.
- Excessive Claims: Claims that exceed the liability limits of your General Liability Insurance policy are not covered. A Commercial Umbrella Insurance policy can extend the coverage limits of your liability policies to cover expensive claims.
- Intentional Wrongdoing or Illegal Acts: Any illegal acts or intentional wrongdoing by you or your employees that lead to your business being held legally responsible are not covered.
What’s Involved with Getting CGL Insurance?
With any type of insurance, there are certain underwriting and eligibility questions that must be answered for the insurance company to determine the final rating. Our agency will guide you through the process and make it easy. Often, companies require you to show a certificate of insurance before you can do work for them, proving that you have active coverage, which is typically a requirement for running a business in most states.
If you’re confused by any of this, don’t worry; we’ll make the process easy. Give us a call, and we can help you get started when you’re ready.
How to Get Started on Your Yuba City General Liability Insurance Quote
To get started on your quote, call our office or click over to our Quotes page. Either way, we’ll make the process simple!