Commercial Insurance Policies
You've worked hard to build your business; now it's time to protect it! Whether you are shopping for general liability, workers compensation, or have questions about your coverage, we're here to help. Our knowledgable insurance agents have one simple goal: to provide you with valuable information so that you can choose the commercial insurance coverage that is best for your business.
General Liability
General Liability insurance protects your business from allegations and incidents which are not insured by another specific type of liability insurance. With General Liability insurance, your business is protected if found legally liable for accidents which occur on your business premises or a client’s location, injuries or property damage done by products your business manufactures and/or sells, as well as accusations of libel, slander or other personal and advertising injuries. While General Liability insurance offers protection for many things, General Liability Insurance alone is not the only type of Liability insurance your business needs. Get in touch with us to learn more about your business’ insurance needs!
Business Owner Policies
Business Owner Policies provide a single, packaged policy which includes General Liability insurance, coverage for Business Property, Lost Revenue, Theft, Vandalism, and many other types of incidents or events which can cause a business harm. In many cases a Business Owner Policy can include Professional Liability insurance as well as Commercial Auto Insurance, resulting in a lower net cost and better value for the business. For established businesses, a Business Owner Policy is the most affordable means of providing comprehensive protection for the business. Contact us to learn more about how we can help you protect your business!
Commercial Auto
If your business owns vehicles, requires employees to use their personal vehicles for business purposes, or hires another individual or business to accomplish your business’ objectives, your business probably needs some sort of Commercial Auto insurance. Whether you own a Food Truck, operate a contracting business with a fleet of vehicles, offer delivery service, or simply need coverage for the occasional errands your business undertakes, we have Commercial Auto insurance options for you. Get in touch with us to learn more about how we can help protect your business! Have a Fleet? Ask us about Telematics!
Workers Compensation
As a business owner, I know hiring and retaining great employees is critical to my business' long-term success, and your business is no different. Your employees may be exposed to many hazards on a daily basis, from ergonomically challenged desks & chairs, repetitive motions which cause injury over time, to machinery which can cause immediate life-threatening injuries. Your employees may be exposed to customers or other employees who have a contagious illness and simply don't know it or choose not to stay home. For all these reasons and more, it's important for your business to have Workers Compensation insurance. Not only is it against California law as an employer to operate without Workers Compensation, it also leaves the business liable for any immediate costs related to workplace injury or illness.
Cyber Liability & Data Breach
Did you know that 43% of cyber attacks in 2019 were directed toward small businesses? Or that 60% of small businesses go out of business within six months of being victim to a successful cyber attack? For these reasons and more, it’s important your business has Cyber Liability and Data Breach insurance. From providing protection from ransomware attacks to protecting your business from payment card industry fines, Cyber Liability and Data Breach insurance is both affordable and important to include in your business’ insurance portfolio. Contact us today to learn more about Cyber Liability & Data Breach insurance.
Employment Practices Liability
Most businesses require employees to be successful, and while working with your team can be one of the most rewarding aspects of running a business, it can also be one of the most challenging. Whether you are hiring employees for the first time or have a seasoned workforce, putting an Employment Practices Liability Insurance policy in place can help protect your business from many unforeseen problems you can encounter while managing your team. An Employment Practices Liability Insurance policy can protect your business from allegations of:
- Sexual Harassment
- Discrimination (Gender, Pregnancy, Race, Religion, Age, Political, etc.)
- Hostile Work Environment
- Improper Hiring, Termination & Pay practices
- Retaliation
- EEOC and DFEH violations
- Third-party Americans with Disabilities Act (ADA) violations
Not Sure What Kind of Commercial Insurance You Need?
Many of our customers have commented on how pleased they were with our indepth insurance review. By asking detailed questions, we will be able to recommend the products to best protect your business and you can choose which options you want to proceed with.