Being a California-based business involves risk. We help you assess and mitigate these risks to help you cover your assets. With our partners we provide the following business lines of insurance.
| General Liability | Worker's Compensation | Bond |
| Group Health | Commercial Property | Commercial Auto |
| Contractors Liability | Errors & Omissions | Business Life |
CHOOSING THE RIGHT INSURANCE
GENERAL LIABILITY
General Liability Insurance protects business owners and operators from a of risk, which could include accidents on the insured's premises or from operations, products sold, operations, or contractual liability.
WORKERS COMPENSATION
Workers' compensation insurance is a form of required no-fault insurance. No-fault indicates that in a cliaim regardless of fault (employer or employee), the insurance pays out to the claimant. It covers some of the claimants medical expense benefits, rehabilitative benefits, and cash benefits if the claimant is injured or disabled as a result of a job-related illness or accident. Loss-of-income benefits may also be payable to a surviving spouse in the event of an employee's death. Currently, workers' compensation laws cover approximately 90% of all employees in the United States.
BOND/SURETY
A surety bond is the financial assumption of responsibility by one or more persons for fulfilling another's obligations
GROUP HEALTH
Are you taking advantage of California Law section AB 1672. We want to make sure your business is! We've been able to save our customer's up to 20% on their health insurance, especially customers with pre-existing conditions. All we need is an employee census.
COMMERCIAL PROPERTY
A commercial property insurance policy provides for direct physical loss or damage to covered property at the premises described in the policy declarations caused by or resulting from a covered cause of loss. The covered property is generally buildings and business personal property located in or on the buildings. The policy contains a definition of building and business personal property and also lists the covered cause of loss.
COMMERCIAL & NON-OWNED AUTO
A commercial auto insurance policy provides the claimant payment for bodily injury and damage to tangible property for which the insured becomes legally responsible and which involves the insured's automobile. The insured can also insure his/her own vehicle for physical damage commonly referred to as comprehensive and collision coverage.
This term non-owned auto signifies an auto that is neither owned, hired, nor borrowed by the insured under a commercial auto policy. Employees' cars used in company business are commonly classified this way.
CONTRACTORS EQUIPMENT FLOATER
Coverage designed for the special needs of contractors to insure their machinery and other equipment.
EMPLOYMENT PRACTICES LIABILITY INSURANCE
Protects the business entity, corporation, directors & officers and employees for claims resulting from wrongful termination, discrimination, sexual harassment, wrongful discipline and failure to employ or promote.
This can cost the company upwards of $200,000 to defend, even if the company did nothing wrong in the eyes of the law.
PROFESSIONAL LIABILITY (ERRORS AND OMISSIONS)
Professional liability insurance, also called Professional Indemnity Insurance, protects professional practitioners such as Architects, quantity surveyors, home inspectors, Lawyers, physicians, and Accountants against potential negligence claims made by their patients/clients.
BUSINESS LIFE INSURANCE
Key Person Insurance: The company is the beneficiary of the plan and therefore pays the insurance policy premiums. Key person insurance is needed if the sudden loss of a key executive would have a large negative effect on the company's operations. The payout provided from the death of the executive essentially buys the company time to find a new person or to implement other strategies to save the business.
Buy-Sell Agreement: Agreement in a closely held corporation or partnership, whereby, in the event of death of one of the partners or other triggering event, the survivor offers to buy the interest of the other owners of the firm.
OTHER:
LIQUOR LIABILITY COVERAGE
Liquor liability insurance provides coverage for bodily injury or property damage for which an insured may be held liable by reason of the following:>Contributing to the intoxication of an individual;
>Furnishing alcoholic beverages to an individual under the legal drinking age, an individual who is already under the influence of alcohol; or
>Violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages.
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY
This insurance coverage provides for payment on behalf of the insured of all damages the insured becomes legally obligated to pay due to bodily injury or property damage caused by an occurrence rising from the following:
Operations performed for the named insured by independent contractors.
Acts or omissions of the named insured in connection with his/her general supervision of such operations.
This does not include maintenance and repair at premises owned by or rented to the named insured, or structural alterations at such premises that do not involve changing the size of or moving buildings or other structures.