What purpose does your California business liability insurance serve? There is actually many different liability coverage types offered to enterprises, but certainly one of the most popular is general liability. This sort of insurance helps with the expenses related to someone being injured on your property. Why are you held responsible for such circumstances?
Customers visit your place of work because you have asked them to come there. As you might not have asked a person to come personally, the fact that you run a small business selling services or products to the public, legally classifies your clients as invited visitors. With this comes a specific responsibility for you as the owner.
Among the many duties you owe to everyone who comes onto your property is ensuring that the premises do not contain any potential dangers. While you may not be aware of every pitfall that could lie hidden within your establishment, you’ve got the legal responsibility to fix any issues you are aware of and/or post a warning for your visitors.
Could your business be considered dangerous or unsafe? Are you playing liability roulette? Before you are taken to court where you might be forced to pay for some very expensive settlements, make time to accomplish two things. First, make certain your California business liability insurance policy meets all your needs as soon as possible and second, identify and attend to any potential hazards at your business.