Business Liability Insurance



As a business owner, every transaction you complete is fraught with peril. Every contract you sign is a commitment on your part. Every customer you serve has expectations as to the safety and quality of the work you perform. Even your social media posts can turn into a liability claim.

Protecting your business from the impact of potential customer lawsuits should be the first order of business. And while only a well-crafted liability insurance policy can shield your business from this expense and stress, it’s frequently the last thing business owners handle. 

Liability insurance is the backbone of most insurance programs. For most businesses, this is the first line of coverage you put in place. The others may spin off later - such as commercial property, workers' compensation, commercial vehicles.

What does business liability insurance cover?

Liability insurance covers the costs of legal fees, most times in addition to the limit of insurance you select. Imagine the peace of mind you’ll have knowing that in the event of a claim, your assets are safe. Below coverages are the backbone of any General Liability policy

  • Bodily injury
  • Property damage
  • Personal injury
  • Medical payments
  • Fire damage to rented premises 

Liability insurance is appropriate for any business that could face potential lawsuits. Our firm works diligently in covering local businesses just like yours. Where a basic General Liability insurance policy has most of the items shown above, you may want to consider other protection. Most of what you need is available, including -

  • Umbrella Liability
  • Professional Liability
  • Employment Practices Liability
  • Directors & Officers Lability
  • Worldwide Coverage
  • Liability for Non-Owned and Hired Vehicles
  • Cyber Liability
  • Pollution Liability

Many of the above are available, but not automatically included. When you choose Elk Grove's Insurance121 Insurance Solutions as your broker, we will work with you to tailor coverage to match your insurance requirements.

Worried about the cost?

The cost of General Liability insurance varies from firm to firm. The size of your business and the work your business performs are the two primary factors in determining your cost. The cost also varies from insurer to insurer.

Because there’s no such thing as a one-size-fits-all insurance policy(and no such thing as a free lunch) when it comes to your business, it's important to work with a knowledgeable broker rather than calling 1-800-insurance. 

Most insurers offer monthly payment options, or premium financing.

Why we're different -

You may think you want the cheapest insurance you can find, but low cost isn't everything. After all, it's said there's no such thing as a free lunch.

While many insurance products are similar in price and function, insurance agents and providers are very different when it comes to structuring a policy to cover you. Your business is unique. Why would you want a one-size-fits-all insurance policy. Many of our insurance carriers offer SPECIALIZED PRODUCTS WITH UNIQUE COVERAGES for various types of businesses.

We’re your neighbors. We protect businesses and people we know and care about. And businesses and people YOU know and care about. And that means we look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.

Contact us, and let us at Elk Grove's LOCAL Insurance121 Insurance Solutions help you protect THE BUSINESS YOU'VE PUT YOUR SLEEPLESS NIGHTS, YOUR MONEY, YOUR EVERYTHING, INTO BUILDING for yourself, your employees, your community and your family. We'll help you make wise choices to protect what you value most.

Where we work -

At Insurance121 Insurance Solutions, we work to protect those of you with a meeting production or event production in Elk Grove, Galt, and surrounding areas - to include Wilton, Sloughhouse, Rancho Murieta, Acampo, Walnut Grove, Hood, Sacramento, Lodi, Stockton - and throughout California. In Elk Grove, we are members of Elk Grove Chamber of Commerce, Rotary Club of Laguna Sunrise, Rotary Club of Elk Grove and BNI (Business Networking International) Elk Grove Harvesters Chapter.

We're located in Elk Grove, CA and are licensed in California (DOI# 0K01870).

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