Commercial insurance is an important aspect of business ownership. At Alta Vista Insurance Agency in Vista, CA, we offer commercial insurance to protect local business owners.
Types of Commercial Insurance
Commercial Property Insurance
Commercial property insurance protects any property associated with your business. This includes stores, manufacturing centers, and office buildings.
This includes coverage for the building itself, as well as any property or equipment that you use in your business.
General Liability Insurance
If someone is injured on your property, general liability coverage will cover their medical expenses and other costs. If their property is damaged, this policy will cover repair or replacement.
It also includes some legal protection, including reputational harm due to libel or slander, copyright infringement, wrongful eviction, and privacy violations.
Worker’s Compensation Insurance
California business owners are required to have worker’s compensation insurance if they have one or more employees. This covers any injuries your employee gets on the job. In addition to covering their medical expenses, it covers lost wages.
Business Interruption Insurance
Business interruption insurance provides an income if your business is inoperable for a period of time. For example, a pipe bursts in your store, and you can’t open the store until repairs are completed.
This policy will cover your lost income until you are up and running again.
Business Owner’s Policy
A business owner’s policy, or BOP, combines a few types of coverage. Your commercial property insurance, general liability, and business interruption insurance are included in this policy.
Commercial Auto Insurance
If you or your employees use a vehicle during business operations, you’ll need a commercial auto policy.
Reach Out To Us
If you need commercial insurance in Vista, CA, contact us at Alta Vista Insurance Agency. Our knowledgeable agents are here to discuss your options and help you find the best policies for your business.