California Commercial General Liability that offers assurance

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At Kerr Insurance Brokers, Inc., we can help you create a commercial insurance policy that is designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Commercial General Liability from Kerr Insurance Brokers, Inc. can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Kerr Insurance Brokers, Inc. include:

  • Premises Liability

  • Products and Completed Operations

  • Premises Medical

  • Fire Legal Liability

  • Casualty Coverage


Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability for California Businesses
Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

  • Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.

  • Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.

  • Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverages, it is important to talk with a specialist at Kerr Insurance Brokers, Inc. about the best options for your business.

With a mission to offer your business a comprehensive commercial insurance policy with professional care and value; Our biggest goal is finding the cheapest general liability insurance policy for Fresno and Central Valley business owners.

What is general liability insurance?

If you want to ensure that your small business has financial protection from unforeseen claims, general liability insurance is a smart investment. While it’s not always required by law, it may be required by certain contracts or lease arrangements. With a general liability policy from Kerr Insurance Brokers, it’s easy to get protection from the costs of:

 

Property Damage
When customer property is damaged by an employee, your coverage may pay for a replacement. For example: Your contractor accidentally sets fire to a building they are working in, and repair costs will exceed $150,000. Now, you may be liable to pay for the damages and construction costs. With small business general liability insurance from Kerr Insurance, you would likely have help covering the costs of those damages.

 

Bodily Injury
If someone other than an employee is injured on your property, this coverage can take care of medical expenses plus legal expenses and damages.

 

Product Liability
If products developed or sold by your business harm people or property, this coverage can pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.

 

Libel, Slander, and Copyright
This coverage can pay for lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.