R egardless of the business size, having adequate insurance is a crucial part of managing your risks. The proper coverage for your business not only preserves your ability to keep the lights on and the doors open, but also provides you with peace of mind.
At Physicians Risk Associates, we know that providing the right kind of business insurance takes knowledge, experience, and a willingness to understand your needs.
We understand that every business is different. That’s why we offer a broad range of insurance programs to manage your long term success.
Every business owner, no matter the size or type of business, faces the chance of a lawsuit as a result of real or alleged bodily injury, property damage, or personal injury. Whether the incident occurs on your business premises or arises from your business operations, you could be held liable. General liability insurance can prevent a legal suit from becoming a financial crisis by providing protection in the event your business is sued or held legally responsible for injury or damage.
You know that being able to keep your business running should a loss occur is important to your bottom line. Commercial property insurance protects your business in the event property owned by your company is damaged, lost, or stolen. It covers the cost to repair damaged property and even to replace what you lost. This insurance can lessen the impact of a loss to your business and help you get things back to normal faster and easier.
All employers in California are required to provide workers’ compensation for their employees. Injured workers are entitled to receive workers’ compensation benefits for an on-the-job injury, regardless of fault by the employee or employer. These benefits can help cover medical bills and lost wages while the employee is unable to work. They also protect your business against being sued for these costs.
EMPLOYMENT PRACTICE LIABILITY
Employment practices liability insurance provides protection for an employer against allegations of discrimination, sexual harassment, wrongful termination and other employment-related allegations made by employees, former employees, or potential employees.