Retail, Office, & Service Industries

Highlights and Benefits of Our Coverage

Regardless of the industry, we offer Comprehensive Coverage and other additional benefits to ensure you’re fully protected from whatever comes your way.

Comprehensive Coverage

Business Owner Policies: These package policies include General Liability, Theft, Property, Business Interruption, Bailee coverage and more — many of which are essential, regardless of the industry. Business Owner Policies are customizable to your business' needs and can often be the insurance foundation for a business in the Retail, Office & Service sector.

Workers’ Compensation

Workers’ compensation coverage safeguards your employees, providing financial support for work-related injuries or illnesses. It fosters a secure work environment, ensuring employees’ well-being and promoting employer responsibility. California law requires employers to carry workers’ compensation insurance, even if the business only has one employee. Fortunately for most retail, office and service-based businesses, Workers Compensation insurance is an affordable piece of your insurance portfolio.

Business Auto

If your business owns vehicles, Business auto coverage is vital, as it shields businesses from financial losses due to accidents involving company vehicles. It protects assets and ensures liability protection. This kind of coverage is essential for any business that uses company vehicles as a part of its daily operations.

Employment Practices Liability Insurance

This coverage is crucial for businesses to shield against costly lawsuits originating from employment and related practices. Employment Practices Liability Insurance protects your reputation, finances, and fosters a fair and compliant workplace. This coverage is beneficial for businesses of any size, regardless of the industry, and is available for inclusion in a package, or as a stand-alone policy.

Cyber Liability & Data Breach Expense Insurance

This coverage is essential in today’s digital landscape, and it protects businesses from financial loss and reputational damage caused by cyber-attacks and data breaches. This coverage protects not only your business but the people you serve in your business. If your business stores or processes customer information electronically, it needs Cyber Liability and Data Breach insurance.

Errors & Omissions/Professional Liability Insurance

This coverage shields professionals from financial repercussions due to perceived mistakes or negligence, ensuring business continuity and client trust. This coverage can be included with many types of business owner policies or is available separately. This coverage is beneficial for many businesses to have, but it’s particularly essential for businesses providing medical, financial, or professional services.

Let us build a portfolio that fully protects your business. Contact us for a quote!