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General Liability Insurance

General Liability Insurance Image
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  • Provides protection from liability claims for personal injury or property damage to others as a result of your business operations
  • Ideal for independent contractors or small businesses that do not need a Business Owners’ Policy or have commercial property to insure
  • Policy is designed to provide the correct amount of coverage to match the level of exposure of the contractor or business
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How We Can Help Your Business

S&K Financial and Insurance Service provides general liability insurance for businesses and independent contractors. This coverage protects the company from claims that involve bodily injury, personal injury, property damage and more.

Just one accident could result in litigation that would cost more than you can handle, stop your operations and liquidate your capital. The best way to prevent this scenario is to choose a general liability insurance policy with the right amount of coverage for your level of exposure. It covers you if a client is injured or a passerby gets hurt on the property where you are working. They may trip over a crack in the sidewalk or slip and fall on a rug in your office.

General liability insurance is not only an important part of business coverage for companies in many industries, it is an affordable option for small businesses and contractors who don’t have commercial property to insure. They may operate out of their home or in a mobile workstation and only need liability coverage for their business.

You choose the amount of coverage and the deductible based on your needs and budget. While this type of coverage isn’t required by law, it can save you money in the long run and protect your business in a claim. If you work on different jobsites, you may be required to carry a minimum amount of liability and provide a certificate of insurance as evidence.

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Workers’ Compensation

If your business has at least one employee, you are usually required to purchase workers’ compensation insurance to provide for them if they are injured on the job. How much you pay will depend on the kind of business you have and your level of risk. It provides payment for medical care and lost wages for the worker and protects your business from bearing the cost of these expenses.

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Cyber Liability

Any business that uses technology in daily operations should have cyber liability coverage. It protects the company from damages that occur when private information is compromised. The right amount of coverage will depend on how much information your business stores on customers or vendors and what kind of threats you face.

Employee Lawsuits Can Paint a Target On Your Back

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TESTIMONIALS

Liddy Pederson

Nikki Saffrey

Kate Mirkovich

Voices of Satisfied Clients

Voices of Satisfied Clients Image

I would like to express my thanks to S&K for their assistance in researching and finalizing our insurance requirements. The detailed information provided to The Riviera Country Club and the availability of the staff at S & K in answering our questions or concerns, greatly aided me in recommending an excellent final choice for our club’s insurance coverage. I feel comfortable recommending S & K Financial and Insurance Services.

General Manager, Riviera Country Club

General Manager, Riviera Country Club Image

On behalf of Jonathan Club I wanted to take this opportunity to thank you for your hard work as our Broker and Human Resources Support person. As our designated Broker I have seen the expected energy and support that you promised when you partnered with our organizations. The due diligence, negotiation skills you demonstrated and programs implemented have already had a substantial financial impact on the organization. I cannot be happier with your company and that you have been able to implement so much so successfully and seamlessly. Once again many thanks for your support and professionalism.

General Manager/Chief Operational Officer, Jonathan Club

General Manager/Chief Operational Officer, Jonathan Club Image

We have been working with S&K Financial for over 10 years. They provide us not only with competitive insurance programs, but also with the added value of being advocates for both the company as well as the individual employees. We rely on their broad based knowledge to help us navigate the cumbersome web of insurance.

Director of HR, Catalina Channel Express

Director of HR, Catalina Channel Express Image