Commercial Insurance in California

A Napa, CA business owner has many responsibilities, and one of these is to make sure he or she is properly insured. Various things that can go wrong, depending on the business you are in, and as a result, there are a variety of commercial insurance options you can choose.

Types of Commercial Insurance

General liability insurance will protect you in situations where someone has suffered an injury.

Malpractice insurance will guard against situations where negligence has been a factor or where the advice given has led to adverse circumstances.

Workers compensation insurance protects you in instances where an employee has been hurt and cannot work for a period of time. This insurance takes care of medical bills and usually provides two-thirds of the worker's salary. It can also cover you in cases where workplace conditions led to an injury or an occupational disease.

Disability insurance can provide coverage in cases where a worker's inability to work was not caused by anything that happened in the workplace.

Errors and omissions insurance can cover those instances where a lawsuit is filed because a company failed to render a promised service or if it did render services and someone was injured or harmed as a result.

A business owner can also purchase product liability insurance to protect them in cases where their product was found to be defective.

It is important to be aware of what a commercial insurance policy can provide for your business. In California, business owners should benefit from such policies knowing that, in the case of an emergency or accident, their business is covered.

Wine Valley Insurance Services Wants to Help

Contact us at Wine Valley Insurance Services by telephone or by stopping into our Napa, CA office to discuss the various commercial insurance policies we have available. Also, you can find a quote for homeowners or automobile insurance by using our online rating tool.

We are experienced in helping the residents of California, Nevada, Idaho, Oregon, Washington, Arizona, and Colorado find the commercial insurance package to best suit their business-related needs, and we can do the same for you.