Building a business is much more than a job. It represents your goals and your future. You’ve poured your heart and your time into your company, and now you need to protect it from whatever life throws at you.
For most every California business, insurance is a must. No two businesses are exactly alike, and you need coverage that gives you piece of mind. From the most basic general liability insurance policy to insurance specific to your industry, PTL Insurance Brokers can help you protect your company, your employees, and you.
Workers’ Compensation Insurance
In the state of California every business with at least one employee is required to carry workers’ compensation insurance. This protects not only your employees if they’re injured on the job, but you, as well, if an employee or their family decides to sue you. Employees receive lost wages and paid medical expenses, and your legal expenses are covered.
As a business owner, you already know if something can go wrong, it probably will — eventually. General liability Insurance protects your business when a customer or vendor gets hurt at your business or suffers property damage. Their bodily injury and property damage expenses are covered, and you’re protected in a lawsuit.
Professional Liability Insurance
You’re a professional, and you give the best advice and guidance you can to your clients and customers, but mistakes happen. If you’re accused of causing harm because of bad information or advice, you could be liable for the damages of the other entity. Professional liability insurance covers you.
As a contractor in California, it’s imperative that you have the right kind and amount of insurance coverage. Without it, you can’t get government contracts or bid on the biggest contracts from private companies. We offer coverage for every part of your contracting business from liability to equipment coverage to business interruption.
When you own and operate a small business, sacrifices have to be made like hiring advisors to help you. When you work with PTL Insurance Brokers, you get access to BizAssure, a cooperative network made up of experienced accountants, attorneys, lawyers, insurance agents, and other professionals. Our services are at your fingertips when you need it and free of charge.
Every California business is unique and faces different risks and liabilities. Your insurance coverage needs to work for your business, not the other way around. At PTL Insurance Brokers, we can customize your policy to meet your company’s needs. Liability and workers compensation are just the beginning. Contact us today and find out how we can help you protect your business with the right California business insurance policies.