Liability Insurance from Pennbrook Insurance Services
We’ve helped businesses in and around San Francisco find affordable business insurance since 1982. We're an independent small business insurance broker. We specialize in commercial insurance and insurance for small business. We help small business owners get the best business insurance for your unique needs.
We offer business general liability insurance for small business, as well as commercial liability insurance and commercial general liability.
Let us deal with the insurance companies and help you protect your business from financial loss. Your quote takes less than 10 minutes to prepare. Ready to see the right coverage for your Small Business?
Why Do I Need General Liability Insurance?
General Liability (GL), sometimes called General Commercial Liability Insurance, is a type of business insurance coverage that helps protect your business from claims and lawsuits for bodily injury or property damage. General Liability insurance pays for most medical expenses, attorney fees, settlements and reimbursements related to the claims. Depending on your policy, typical coverage options include:
• Premises Liability
• Premises Medical
• Products and Completed Operations
• Casualty Coverage
• And more!
General Liability policies are sometimes combined with Commercial Property Insurance and other coverage into a Business Owner's Policy.
Why Do I Need Professional Liability Insurance?
Professional Liability insurance is a type of property and casualty coverage that protects you and your company against claims and lawsuits related to the professional service or advice you provide. Professional Liability pays if your client or customer claims your mistakes caused them financial harm. These kinds of claims are not normally something your General Liability insurance covers.
Let's consider a real-life example. Suppose you're an accountant and you make an error that costs your client thousands of dollars. Your mistake could have costly legal repercussions. You may have to pay the actual amount of your client's loss, as well as any legal fees or damages. Without Professional Liability insurance, you'd have to pay those bills yourself.
The Differences Between General and Professional Liability
General Liability helps cover the costs of claims due to accidents on your business’s property, damage done to someone else’s property, or from advertising mistakes. It covers things that happen in the course of your business operations. That's different from Professional Liability, which covers mistakes you make for specific advice or services you provide.
Here's an example of where General Liability insurance might help cover your business:
• A customer slips on a wet floor in your restaurant business. After the incident, she sues your business and claims your store was unsafe.
This would be a General Liability claim because it's related to your business operations. It's not something Professional Liability insurance covers.
Now consider a different situation where you'd need Professional liability insurance:
• Suppose you're a wedding photographer and your take photos of during a couple's ceremony. While developing the photos, you accidentally destroy the film. The couple, upset their wedding pictures are destroyed, makes a claim against the photographer for errors in your service. Your photographer’s Professional Liability Insurance would help cover the cost of this claim.
Since this claim involves your mistakes, your Professional Liability policy.
As you can see, both types of insurance can be really important for a business. Still confused? Don't worry. We can help you figure out which type of coverage you need, for a budget that makes sense.
How Do I Find Business Insurance Near Me?
We know what it takes to help make sure your business is properly covered. There are many types of liability coverages. We can help you understand what you need. Give us a call and speak with one of our insurance specialists. Or get a fast, free Liability Insurance online quote for your business. It takes less than 10 minutes!