Businesses can do their best to account for everything, but the world has a way of throwing curveballs anyway, like:
- An electrical fire
- A slip and fall in aisle 9
- An on-site visitor injured by falling debris
- A customer finding a piece of plastic in their sandwich
- A customer bringing in their car to have their A/C fixed and on the way home, one of their wheels falls off
As you can imagine, none of these ends happily.
After 35 years in business and thousands of conversations with business owners, weâ€™ve heard some unbelievable stories including freak accidents and fatal injuries.
In many cases, business liability insurance provided a much-needed silver lining. But for businesses who lived on a prayer, draining savings or filing for bankruptcy could be the end result.
Donâ€™t be the end of a sad story. Have a solution when life throws a curveball straight for the windows of your business. Our dedicated agents want to help you find an appropriate solution that can grow with your business.
Get a quote now.
Why Business Liability Insurance is Important, No Matter Your Business Size
Protect Yourself from Frivolous Lawsuits
A lawsuit can put you in the red, even if youâ€™ve done nothing to deserve it. Itâ€™s entirely possible that you can have a faulty case dismissed, but you will still be stuck with the lawyerâ€™s fees anyway. General business liability insurance helps cover these costs. Your insurance companyâ€™s lawyers can also defend you in the event of a lawsuit, so you get added protection.
Protect Your Employees
Anything can happen on the job, and it is in the best interest of your employees and your finances to provide certain business liability insurance in the case of an employee accident. We know protecting your employees can seem complicated at times, which is why we make sure you understand the policies from top to bottom before you sign.
Select from Insurance Enhancements
Our agents can put together a business liability insurance plan that includes enhancements like extended time periods for business loss of income, cyber liability, employment practices, hired and non-owned auto, signs, and glass. We get around the table with you and walk you through the policy at your pace, so you can take ownership of the policies protecting your business.
When you have fewer claims on your insurance policy, you can lower your rates. You can also save money on your premium if you have certain risk prevention strategies in place. When you put in this kind of effort, your business liability insurance plan can help cover the costs of negligence lawsuits.
Prove Your Professionalism
General liability business insurance shows customers that you stand behind the quality of your work. Customers often look for proof of liability insurance before doing business with you.
Be Prepared For Anything with Business Liability Insurance Coverage
We have worked with business owners across dozens of industries. One thing remains consistent: general liability business insurance is a crucial part of your defense system as a business.
It doesnâ€™t matter if youâ€™ve been in business for 50 years with a perfect track record. It doesnâ€™t matter if there was a sign on the wet floor. What matters is having quality general liability business insurance when you need it most.
Whether you own:
- a gift shop
- construction company
- manufacturing company
- farm or ranch
- grocery store
- well drilling and pump business
- hardware store
- sign manufacturing shop
- automobile dealership
- home improvement store
- radio station
- summer camp
- or most other types of business
IB&C Insurance Services provides liability and property business insurance packages with additional enhancements that cover the unique needs of your business. We donâ€™t expect you to know what to ask for, either. Itâ€™s our mission to take your questions and translate them into realistic policy solutions that make sense for your business.
Protect Your Business, Protect Your Legacy: Get Business Liability Insurance in California
It is our greatest privilege and responsibility to provide outstanding general liability business insurance to businesses throughout Grass Valley, Nevada City, Penn Valley, Auburn, Roseville, Rocklin, Yuba City, Marysville, Santa Rosa, San Jose, Redwood City, and Oakland.
Request a Business Liability Insurance Quote
Request a quote from one of our attentive, thorough and local brokers to find out which business liability insurance policy would be right for you.
Call 530-272-1234 or Request a Quote.