Different Types of Business Insurance Worth Considering

Business insurance is not one-size-fits-all. The right coverage depends on your industry, size, and specific needs. Here are some of the most common types of business insurance we help our clients consider:

General Liability Insurance
This coverage helps your business after claims involving third-party bodily injury, property damage, or personal injury that may occur on your premises or as a result of your operations. It’s essential for nearly every business, providing peace of mind against everyday risks.

Commercial Property Insurance
Whether you own or lease your workspace, commercial property insurance can help cover damage to your building, equipment, inventory, and other physical assets caused by fire, theft, vandalism, or certain natural disasters.

Workers’ Compensation Insurance
California law generally requires businesses with employees to carry workers’ compensation insurance. This coverage helps pay for medical expenses and lost wages if an employee is injured or becomes ill due to their job.

Professional Liability Insurance
Also known as errors and omissions insurance, this policy is important for businesses that provide professional services or advice. It can help cover legal costs if a client claims your services caused them financial harm.

Commercial Auto Insurance
If your business owns or uses vehicles, commercial auto insurance can help protect against the financial consequences of accidents, property damage, and liability claims involving those vehicles.

Business Interruption Insurance
Unexpected events like fires or natural disasters can disrupt your operations. Business interruption insurance helps cover lost income and ongoing expenses while you recover.

How We Can Help

At Leadwest Insurance Solutions, we work closely with California business owners to assess their risks and recommend tailored insurance solutions. Our team takes the time to understand your unique needs, ensuring you have the proper protection in place, whether you’re just starting out or looking to update your coverage.

Contact us today to discuss your options and get personalized guidance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.