When you buy business insurance in Oakland, California, you're probably focused on protection inside your companyâ's walls. However, itâ's important to remember that your businessâ's outdoor areas face certain risks as well. For instance, customers could trip and injure themselves in your parking lot, someone could steal property, or a storm could damage your outdoor areas. This is why itâ's so important that you get the right insurance protection for your business's outdoor spaces. Here's how you can get the coverage you need with the right business ownerâ's policy (BOP). A BOP normally offers coverage that will help protect your companyâ's physical building, its furniture, and all the other property inside it. In many cases, a BOP can also provide coverage if business property is stolen or damaged within 100 feet of your companyâ's building. Make sure you check your policy to see if you already have this outdoor coverage. If not, then speak to your insurer about getting this additional coverage. In addition to commercial property coverage, your BOP also includes commercial general liability insurance for your business. While general liability insurance kicks in when someone injures himself or herself while inside your company's building, this coverage extends to your businessâ's outdoor spaces as well. For instance, if a customer trips and injures himself or herself in your parking lot, then your BOP will likely cover the cost of their medical bills and even the expenses associated with a liability lawsuit. This is how a BOP can help you protect your businessâ's outdoor spaces. Are you looking for the right business insurance in Oakland, California to protect your company? For help finding the right policies, contact the professionals at Cook, Disharoon & Greathouse, Inc. Located in Oakland & Pleasant Hill, California, we serve all your personal and commercial insurance needs.
