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1st Stop Insurance Services Inc
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1st Stop Insurance Services Inc
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Business Insurance in San Leandro, CA

How business (liability) insurance works.

The general liability coverage of a business insurance policy outlines the maximum amount the insurance company will pay against a liability claim. For example, if your business gets sued for $250,000 for medical costs associated with an injury plus an additional $100,000 in legal fees, but your coverage amount is maxed at $300,000, then you would be responsible for paying the difference of $50,000.

Now, if you are on the higher end of the risk scale, and already have general liability insurance, you can also opt for excess insurance or business umbrella insurance that increases your coverage limits. This will cover you in situations in which you’re worried that your existing coverage won’t cover all your costs should someone file and win a claim against you.

Our agents have helped many businesses in the San Leandro, CA and surrounding areas. Get in touch, we can help you too.
Who needs business insurance?
  1. In a word – every business! If you are a white collar professional (consultant), or run a business, a contractor, or small business owner, you need some form of general liability protection to safeguard your business. A single accident could result in a costly lawsuit. A general liability insurance policy is a great way to protect your business. You want to make sure you have liability coverage that matches your level of exposure. Some employers or clients might require you to carry a certain amount of general liability before you can work for them.
  2. To learn more from our experts in the San Leandro, CA and surrounding areas, get in touch with us.

What does it cost?

It’s difficult to come up with any tangible estimate as it varies greatly based on the coverage you need, type of business, revenue earned, exposure profile of the business; what other additional policies you have, etc.

But, by way of example - let's take a small marketing services firm (office workers), that has 5 employees (including one owner - 100%). All the employees work indoors, do not use their cars for work purposes, no goods to move, has a company informational website (but no real cyber liability exposure), has clients than typically pay about $20,000 per year in fees to the firm. The firm needs $1M million in coverage and $2 million in aggregate coverage. A firm such as this can expect to pay somewhere between $500 and $2,500 a year in general liability insurance coverage. This is an example only - actual costs will vary.

Your state, local county regulations and rule could affect the costs of insurance. To learn more from our experts in the San Leandro, CA and surrounding areas, get in touch with us.

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1st Stop Insurance Services Inc has other insurance programs like Auto Insurance in San Leandro, CA.