Whether you’re a business owner, contractor, or have a construction company, you’ve worked hard to build your business, putting in a lot of time, effort, and money. However, all of your sweat equity and earnings can quickly be erased and easily taken away if you’re not prepared with the right general liability insurance for your specific business needs. At BearStar Insurance Services, our team of local, Southern California insurance agent specialists, have been helping our clients with liability insurance for business owners, contractors, and construction for years. We take the time to talk to each and every one of our clients, learning about their unique business needs, and partnering with them to develop the best plans that work for them.
In California, be aware that the Golden State doesn’t put a cap on liability lawsuit rewards. The best way to protect your business from potentially devastating costs of a large liability claim is through liability insurance.
General Liability Insurance for Business Owners
Most California business owners get a Business Owners Policy, which is a combination of a commercial policy that covers both your general liability and your business property. If you’re a business owner, general liability coverage is essential to protect you from losing everything you’ve built. It protects your premises, products, contractual, personal and advertising injury, along with other potential liabilities.
General Liability Insurance for Contractors
One of the most important types of insurance for contractors is General Liability Insurance. It protects contractors from third-party claims from damages that may occur in the course of conducting business. Here’s what’s included in a liability coverage policy for contractors.
Property Damage
Physical injury or damage to the property, including vandalism, and anything that results in loss of property, stolen tools and equipment.
Bodily Injury
Accidents, illness, physical injury, and death sustained on the job.
Medical Expenses
Expenses for medical needs, hospital and doctor visits, physical therapy and other health modalities as a result of injuries, illness, and accidents that occur on the job.
Personal & Advertising
Lawsuits from third parties against your contractor business such as false arrest, malicious prosecution, wrongful eviction, advertisement and copyright infringement, and violations to a person’s rights.
At BearStar, besides liability insurance, we offer additional coverage options specifically for contractors to meet certain contractual requirements, including a blanket waiver of subrogation, surety bonds, coverage for tools and equipment, and much more.
General Liability Insurance for Construction
Liability insurance is essential for construction, since the industry is inherently more risky, especially roofing, compared to most commercial businesses. On-the-job hazards ranging from injuries and illness to property loss or damage are covered with liability insurance, protecting your construction from liability risks, lawsuits, and expenses.
Need Liability Insurance to Cover Your Specific Business? Call Us Today!
Located conveniently in Orange County, at BearStar Insurance Services, our products and services cater to the needs of Southern California business owners, contractors, and construction companies with the exact liability insurance your specific business requires.
Leveraging over 100 years of experience, BearStar Insurance agent specialists have a deep understanding of what California business owners and contractors need – and don’t need – when it comes to their insurance coverage. From general business and workers’ compensation to independent contractors and cybersecurity, we work with some of the best carriers in the industry to provide you with custom-fitted, comprehensive protection at the best possible price. We value the relationships we build with our clients; fill out this form to get a quote or call us today at 949-979-5251 to speak with your local Irvine agent.