Commercial Liability in Sausalito, CA
Accidents and lawsuits can happen in any industry. Commercial liability insurance helps cover expenses if your business is found responsible for property damage, bodily injury or other covered losses. Without proper coverage, a single incident could put your company’s finances and reputation at risk.
Types of Commercial Liability Coverage
Muzio & Rovero Insurance Services provides liability solutions tailored to California businesses, including:
- General liability may cover claims of third-party bodily injury, property damage and personal or advertising injury that occur on your premises or because of your operations.
- Product liability can help cover claims related to bodily injury or property damage caused by products your business manufactures, distributes or sells. This coverage is often included within, or closely coordinated with, general liability insurance.
- Professional liability (errors and omissions) can help service-based businesses address claims of negligence, errors or omissions in the professional services provided.
- Employment practices liability (EPLI) can provide coverage for certain employment-related claims such as discrimination, wrongful termination or harassment.
- Commercial auto liability can help cover third-party accident-related bodily injuries and property damage claims arising out of the ownership, maintenance or use of covered business vehicles.
Coverage under each policy is subject to its specific terms, conditions and exclusions.
Liability Insurance Limits
Liability insurance policies generally include dollar limits that define the maximum amount the insurer will pay for a covered claim. These limits are set when the policy is purchased and can apply:
- On a per-occurrence basis, meaning the limit applies to each covered incident.
- As an aggregate limit, which is the total the insurer will pay for all covered claims during the policy period.
Once those limits are reached, any additional costs generally become the responsibility of the business. Understanding these limits is essential because they determine the extent of financial protection your coverage provides and whether you may need additional options, such as an umbrella policy, to further extend that protection.
A commercial umbrella liability policy can help provide additional coverage limits above your underlying liability policies (such as general liability, commercial auto liability and employers liability), responding to covered claims after the underlying limits are exhausted, subject to its own terms, conditions and exclusions.
How Muzio & Rovero Insurance Services Supports Local Businesses
As a local agency, we are committed to helping Sausalito, CA business owners navigate California’s insurance requirements. We stay current on state regulations and industry trends to ensure your coverage continues to meet your needs as your business grows.
Get Started
If you are ready to review your current coverage or explore new options, the team at Muzio & Rovero Insurance Services is here to help.
Contact us today to schedule a consultation.