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Travel Insurance: Its Benefits and Provisions

General liability insurance is a type of business insurance coverage that offers protection when property damage or injuries happen as a result of business operations. General liability is also referred to as commercial general liability or business liability insurance.

Business owners are often well-aware of certain risks associated with daily operations of the business. Still, the provisions of general liability protection is sometimes unclear.

General liability insurance policies cover:

  • Bodily Injury: Bodily injury resulting from work-related accidents involving individuals the company is liable to.
  • Medical Payments: Medical bills associated with those business-related incidents resulting in body injury.
  • Property Damage: Policy provisions include damages to property used for business operations (even if it’s rented).
  • Defense: Covers your business if the company is named in a legal proceeding (whether or not your company is at fault).
  • Personal And Advertising Injury: Protects against claims such as libel, slander, defamation of character, etc.

Even amid the best processes and strategies, your business can come under fire. Being properly insured is critical to both protecting the company if a challenge arises and in offering peace of mind as you head home each day.

At Save-On Insurance Services, experienced agents have assisted California business owners since 1985. For a comprehensive risk analysis, or to get a quote for general liability coverage, contact Save-On Insurance Services today.

Home Maintenance Tips to Increase Home Safety this Spring

As winter transitions into spring, it’s time to check your home to see what maintenance jobs need doing to secure your property. Through home maintenance, you can raise the safety standard of your home to protect your family. Here are five simple tasks to get you started:

1. Change AC, air purifier and other household appliance filters for a cleaner home air environment.

2. Check your home’s CO and smoke alarms and replace their batteries to ensure they are working properly.

3. Have your cooling system inspected and maintained to ensure it will run efficiently and effectively when summer arrives. This includes checking thermostat settings, cleaning AC coils and ducts, checking refrigerant level, adjusting blowers, etc.

4. Purge old medicines out of your medicine chest. Dispose of expired prescription and non-prescription drugs to eliminate the risk of danger or harm. You may need to research FDA guidelines for proper disposal methods of certain types of drugs.  

5. Review and update your homeowners insurance policy to ensure you have adequate coverage. 

To get a quote on policy upgrades in California, contact Save-On Insurance Services located in Los Angeles, CA.