General Liability Insurance | Laguna Beach, CA

Protective Business Insurance

Your business is your livelihood, so you want to do whatever is necessary to ensure that it thrives. Avoid the high cost of a lawsuit with general liability insurance from JLC Insurance. We also help protect your business finances with options that include workers compensation insurance.

GENERAL LIABILITY

In today's litigious society, even small mishaps can result in large lawsuits. That's why general liability insurance, along with property and workers compensation insurance, are essential for most companies. Liability insurance protects the assets of a business if it becomes involved in a lawsuit. Other coverage for premises and operational liability, medical payments and contractual liability are also included.

General liability insurance can be purchased separately or as part of a business owner's policy.

WORKERS COMPENSATION

Workers compensation insurance pays for medical care and physical rehabilitation of injured workers and helps to replace lost wages while they are unable to work. It may also provide benefits for dependents of those workers who are killed because of work-related accidents or illnesses.

COMMERCIAL AUTO & TRUCKING

Commercial automobile policies cover the cars, vans, trucks and trailers used in your business. The coverage will reimburse you if your vehicles are damaged or stolen or if the driver injures a person or property. If your business owns a car or truck, or a fleet of vehicles, you need commercial automobile insurance.

EMPLOYMENT PRACTICES

Employment practices liability provides protection against the risks related to discrimination claims, workplace harassment, wrongful termination or other employment practices.

BONDS

Bonds (also known as “financial guaranty insurance”) are a type of insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security. As compensation for its insurance, the insurer is paid a premium (as a lump sum or in installments) by the issuer or owner of the security to be insured. 

Bonds are a form of “credit enhancement” that generally results in the rating of the insured security being the higher of the claims-paying rating of the insurer and the rating the bond would have absent insurance.