Cyber-attacks, hacker attacks, security breaches, and data theft have become all too common in press releases and on the news. These are legitimate concerns for business owners and professionals alike. Add in lawsuits due to errors and omissions or home injuries to guests, random events such as natural disasters, illness, and accident, and there’s a frightening brew stewing in the pot. For those who need insurance in LA, however, never fear. There are many options available to protect your home, business, and family.
Consider the Umbrella
Umbrella insurance, for business or personal liability, goes above and beyond the protection offered by regular homeowners or business liability policies. There is coverage for many business sectors, including:
- Liquor liability
- Reputational damage
- Garage keepers liability
- Food-borne illness
Homeowners seeking insurance in LA can also obtain special coverage they might need to include:
- Dog attacks
- Swimming pool accidents
- Trampoline injuries
In the Event of Inclement Weather
Don’t neglect insurance to cover natures fury. Earthquake insurance can be obtained for townhomes, condos, apartments, single-family homes, and mobile homes. Flood insurance in LA may be required for some home purchases. Too many homeowners assume that if they don’t live near water they don’t need flood insurance. Flash flooding from rain or a sewer backup are covered by flood insurance but excluded by a standard homeowners policy.