General Liability

General liability insurance coverage provides business owners with financial protection from legal claims for damage to property and injury to people. This is sometimes referred to as ‘Slip and Fall’.

Liability coverage typically covers legal fees and damages. A general liability insurance policy can protect business owners that rent or own space against risks from a broad range of perils (causes of bad things). General liability is often confused with other liability coverage due to its name. It is not a ‘catch – all’, and things like alcohol related events, or intellectual property are covered by different types of liability.

General Liability is often required by vendors or landlords as a requirement to do business. This is usually evidenced by a Liability Certificate, referred to as an Acord.

General Liability Insurance can be purchased as a standalone product or as part of a Business Owners Policy for those needing additional coverage for possessions, structures, or a more comprehensive set of coverages.

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Workers Comp

The success of your business relies upon the diligent work of your employees. Also, one of the greatest threats to your business is an injury to one of your employees. Per California Law, all employers need to carry Workers Comp, and yet, not all do.

There is multiple ways that Workers Comp can affect your business. For example, did you know that if your broker rates you incorrectly, and you pay the full amount that you are asked, the carrier has the right to demand the difference between what you paid and what you would have had to pay if rated correctly – even if you had no idea how much that would be, even if you have no ability to pay that amount?

Because of this, we time with our customers so that they know what they are getting into, before they get into it.

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Commercial Property

Property insurance is a category of insurance policies that provide financial reimbursement to the owner of a structure or ;its contents, in the event of a random external event. Property can include Buildings, Hotels, ‘BPP’ (Business Personal Property), inventory in transit, just to name a few. Earthquake and Flood insurance are considered property coverage.
BPP is usually the thing that most businesses want to cover. It includes all of the things that you buy to run your business – tables, computers, refrigerators, etc.. in general, we classify BPP as things that belong to the business that could be taken with you if you decided to move across town.

Insuring buildings is often tricky, because Commercial property Insurance only covers the reconstruction amount of a building, which can often be tricky to estimate. To do this, we use a reconstruction calculator. Two of the largest, most used calculators are Marshall Swift 360Value. Neither is perfect, but both are better than a guesstimate. While it is important that your building is not over-insured, being under-insured is even worse. Imagine if you were only insured to cover half of your building, and half of it burned down – and the other half was destroyed by smoke damage!

Our agency is especially competitive with insuring property. please call us so that we can offer you our best quote today.

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Commercial Auto

Commercial auto insurance is an obvious requirement if you drive vehicles like trucks, delivery vans, buses and other vehicles for business. Accidents may come unexpectedly and one needs to prepare for them. When it comes to commercial auto insurance, how exactly can you find the right type of coverage? As always, this boils down to what your business does, including the goods you may be transporting or the services you may be providing, how your business does it, and what type of vehicle your business utilizes to fulfill that objective.

Many businesses utilize a regular car for simple purposes and end up needing commercial auto insurance instead of personal auto coverage. The cost for commercial auto insurance can be higher, and therefore, the question arises: do we really need this?

The answer to this is that is depends on the details. Call us today for straight, unfiltered answers.

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