Small Business Insurance Benefits & Cost

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Small Business Insurance Benefits & Cost

By Zuma Insurance Services | October 16, 2017

Business General Liability Insurance ProtectsYour Business From Instances Like This


When it comes to protecting your business from costly liability claims or potential lawsuits, the first line of defense is a comprehensive business general liability insurance policy. While the hope is that most businesses will never have to file a claim with this type of coverage, the reality is that the chances of filing a claim will increase during the holiday season. With Halloween right around the corner, now is the perfect time to revisit your policy to make sure you have the right level of protection to keep your assets and employees safe.

The Benefits of Investing in General Liability Insurance for Your Small Business

If you don’t currently have general liability insurance for your small business, you may be taking on an unnecessary amount of risk. While running a successful business always comes with a great amount of risk, why expose your business to additional risk when you don’t have to? With general liability coverage, you can easily protect your property against damage and claims made by employees. The cost of insurance for a small business is worth every penny. 

Are You Protected With Business General Liability Insurance?

Liability Insurance or Commercial General Liability Insurance works to protect your business and its assets by covering the cost of various situations or incidents that you would be found responsible for including:

  • Medical bills if someone is injured on your property.
  • Property damage that is caused by you or an employee.
  • The legal or settlement costs associated with a lawsuit where you or the company gets sued for damages or punitive damages.
  • Any claims that involve false advertising, copyright infringement, slander and libel.
  • If you are a tenant and damage is caused to your rental property, this coverage will also pay for repairs.

Does Your Business Need Commercial General Liability Coverage?

During the holiday season, the risk of burglaries around the country begins to rise. In California, there were a staggering 21,900 burglaries committed during the month of December in 2011. While December is the peak month for robberies and vandalism in many states like California, many pranksters will be out on Halloween looking for trouble. With the increased availability of costumes that can be used as disguises, it only makes sense that petty criminals are looking for an easy way to make a buck or cause some damage to local businesses.

While there may not be much you can do to deter this kind of behavior aside from investing in proper security for your property, you can rely on the protection of a comprehensive business general liability policy to cover the cost of damages in the event that you have to deal with vandalism during the holidays.

Are You Protected With Business General Liability Insurance?

Invest in Business Insurance Coverage Today

The best defense in these types of situations is to be prepared for the worst with a good offense. With total insurance protection, you can keep your business running smoothly and avoid having to pay out of pocket when dealing with many business-related risks. Some of the biggest benefits of investing in a better business insurance policy include:

  • Coverage that protects your business and assets against property damage.
  • If you rent, your rental property is also covered.
  • Employee claims are covered so that you and your team can work with peace of mind.
  • If you are involved in a lawsuit, liability insurance will cover the cost of your legal fees and any settlement that you reach.

Interested in making the switch to Zuma ? Reach out! When you run a business it is imperative that you do everything you can to protect your bottom line and keep your team working without interruptions. Don’t let vandals or any other possible risks get the best of you this holiday season. Instead, invest in total insurance protection and check out our commercial general liability insurance quotes today!