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.
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.
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:
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.
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:
Interested in making the switch to Zuma Insurance? 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!