ALL California employers must provide coverage for their California employees
General Liability Insurance For California's Businesses and More
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General Liability Insurance In California
General liability insurance in California is probably the most dynamic insurance policy you can purchase to protect your business. Almost all of the businesses and clients you work with will require you to carry General Liability in California and will also ask you for a certificate of insurance to provide proof.
The true art in providing our clients with a general liability policy that covers their most important exposures is having agents on staff that has mastered and understand the ins and outs of a very extensive and detailed General liability policy and its limits. What most agencies don’t know or understand are the lengthy exclusions that sometimes limit the client as well as special endorsements that can be added to provide extra coverage that are specific to your type of business.
If you are looking to purchase Commercial General Liability Insurance in California—whether you’re a new business, a small to large size business looking for savings, or if you are just a California business looking for better or additional services—JVRC insurance is your solution.
We understand General Liability Insurance in California for Small Businesses and will learn everything necessary to understand your business. Having access to specialty markets and programs specific to what you do is the X-factor that can bring significant savings. We are a brokerage so we are not constrained to working with just one carrier. This translates to us being able to work with all carriers and programs available to provide you with the perfect General Liability policy in California. Please see some of our industry specialties in our specialty insurance drop down list above!
For business General Liability Insurance in California, contact us today for a quote! We can also answer any questions or concerns you may have. We are just a click or a call away!
Liability Insurance protects your business when it is sued for something it may or may not have done to cause personal injury or property damage. General Liability can protect your business from on-site accidents, as well as any injuries or damages suffered as a result of using your products, goods, or services sold on and off your premises. Defense can also be included inside or outside of your normal limits.
JVRC Insurance can help you find the right General Liability Insurance in California for your small business. Of course, saving your business money is always our first priority along with making sure your business is covered for all perils on your premises or on the job site. You may also need Professional Liability or Errors & Omissions (E&O) coverage if you are a traditional professional that provides professional advice or if you are in a service providing industry. See the professional liability tab in our drop down list above for more info!
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Frequently Asked Questions about Business Insurance
Why is California Workers Comp Insurance so expensive?
Largely because of claims that occur, experience modifications, fraud and payroll amounts statewide
Where do we get the information we post on our blog site?
The Department of Insurance website, The WCIRB, The Insurance Journal and many other trusted sources
What is an experience modification?
It’s a percentage that compares the payroll and loss history of your company to a similar-sized company within the same industry. For example, if a company has a better than average loss record, their experience modification would be less than 100%. If that is the case you would receive a credit on your Workers Comp rates. If that is not the case however it would result in the opposite, an increase in rates. The experience modification can be closely compared to an individual’s credit score.
Why is Workers Compensation Insurance a necessary requirement?
It is illegal in the state of California to not carry it. There will be penalties, fines and many other consequences if a worker is injured and you do not carry it. Furthermore if there is a claim and you do not have California Workers Compensation Insurance at the time the employer is still liable for all costs relating to the injury which can be devastating to any company.
How does your insurance carrier determine what your experience modification number is?
This is calculated based on your payroll, premium paid and by your reported losses for the last three consecutive years
Who regulates and makes California Workers Compensation laws?
The Department of Insurance regulates the laws and the State Senate makes them
What is a Classification or a class code?
It’s a component used determine the price an employer pays for their workers’ comp insurance premium. Classifications are established for each industry and typically include all jobs or operations within a particular business.