Protect your business from liability with commercial insurance in Los Angeles, CA!
When running a business, it's necessary to invest in commercial insurance in Los Angeles, CA. You need to make sure you’re covered for any liability. The two most common types of liability that you need to cover are for negligence and strict liability. In order to go over the specifics of each type of liability, you should consult a lawyer. Make sure you’re informed and insured! Check out this quick overview of the two most common types of business liability!
Negligence.
Negligence refers to when a product used or service is rendered is administered without reasonable care. It refers to the conduct of how the product is manufactured or used. This means that any damages or injuries incurred by using the product or service could have been prevented if precautions were taken. A negligence claim against your business would argue that you didn’t take enough care to inspect and test a product to make sure it’s safe. However, the counter argument is that the consumer failed to take reasonable care when using the product.
Strict Liability.
Strict liability is similar to negligence, however, it refers to the quality of the product. Rather than its usage, it's concerned with whether or not a product is defective regardless of the reasonable care taken. Ultimately, the rules of each state and country dictate the defect parameters. However, there are certain general guidelines to pay attention to when determining whether a product is defective. It is determined by how dangerous a product is. A design defect occurs when the design lacks a necessary safety features. A manufacturing defect occurs when the manufacturing is not congruent with the design. A warnings and instructions defect occurs when proper instructions and warnings are inadequate.
Ultimately when dealing with liability suit, you should contact a qualified lawyer. But you can take precautions from liability and invest in
commercial insurance in Los Angeles, CA. For assistance finding the right insurance,
contact the professionals at
Fuller Insurance Agency. Located in California, we serve personal and commercial insurance needs in Chino Hills, Long Beach, Los Angeles, and the surrounding cities.
