Small business owners both want and need to do everything they can to protect their businesses. Many of them get so caught up in day-to-day operations, though, that they easily overlook planning for future issues.
Don’t be one of them. If you own a small business, you need to seriously consider carrying these types of Sacramento, CA business insurance.
- Workers’ Compensation: This one is actually non-negotiable; you’re legally required to have workers’ comp if you have even one employee. This coverage will pay for their medical expenses and lost wages if they get injured on the job. It also protects you against getting sued for those costs, so it’s a win-win.
- General Liability Insurance: We live in a very litigious age, and it would not be surprising if your business faces a lawsuit at some point in the future. Fortunately, your general liability insurance will cover the damages and legal fees if one of your customers, vendors, or another third party sues you for alleged property damage or bodily injury.
- Commercial Property Insurance: You likely have invested a lot of money in your business location and the equipment, inventory, furniture, etc. that you store in it. Commercial property insurance protects all of that against disasters like fire, theft, and vandalism.
Would you like to talk to an insurance agent about the kind of coverage your specific business needs? Contact Purves & Associates Insurance Services to learn more about how you can use Sacramento, CA business insurance to safeguard your staff, your assets, and all of your hard work. Our dedicated staff of California insurance agents is here to provide you with tailored policies to help you plan for the future while protecting your business today.