Get Affordable Coverage for Your Business
We partner with numerous nationwide insurance providers to offer a customized variety of commercial insurance products for companies both big and small. Our Orange County based insurance agents serve business throughout California and Texas. With coverage ranging from workers’ compensation to commercial auto insurance, business liability and more, we can provide the business solutions you need to run smoothly.
what makes us different
Variety of Coverage
Business Liabilities
Business insurance protects you from the unexpected costs of running a business. Choose the best customized coverages for your business including BOP, General Liability, Umbrella Insurance.
Workers' Comp.
We provide cost-effective business workers’ comp insurance in low-to-medium-hazard industries, which helps protect employers from potential lawsuits.
Commercial Auto
To a wide variety of commercial vehicles from cars, pickup trucks, vans, and SUVs to large trucks. Contact Us Today to learn how you can protect your business from unexpected risks while on the road.
Surety Bond
We offer financial protection through a three-party contract. The surety pays for damages if the principal fails to perform. These bonds are typically required in construction, real estate and finance industries.
FAQ
What is Commercial Auto Insurance?
Commercial auto insurance offers protections for vehicles used specifically for business – whether it is a company-dedicated vehicle or personal vehicle.
As a self-employed or a business owner, you will need a commercial auto insurance when driving your personal vehicle for business purposes. This is important because your vehicle will not covered under a personal auto policy when you use your vehicle for work or business purposes.
What does Commercial Auto Insurance Cover?
Commercial auto insurance covers injuries that you or your employees cause to other people and their property while driving. You can work with us to create a completely customized policy that best fit your business needs, with all available discounts.
Typical coverage available includes:
- Property damage liability
- Liability for bodily injury to others
- Personal injury to you, your employed drivers or passengers including medical expense and lost wages
- Non-owned auto coverage for when you or your employees drive a rented or borrowed vehicle
- Loading and unloading liability
- Towing and labor cost
- And more…
Why You Need Business Insurance?
Business insurance protects businesses against financial losses or physical damage to company-owned property. A business with no business insurance may be resulted in termination after a loss occurs. Let’s take an example, a fire destroyed your auto body shop or a large bodily injury claim resulted from an incident at your nail shop. These such events could cause you bankruptcy if you are not covered by insurance, especially to small business.
What does Business Insurance Cover?
Variety types of coverage are available to serve different business categories. A majority of small businesses often choose to obtain a Business Owners Policy (BOP), which is a combined policy that cover both property and liability in one full package. Speak to our insurance expert to find out which coverage that suit your business best.
- Business property coverage
- Business liability coverage
- Professional service coverage
- Commercial umbrella coverage
- Wedding Protector Plan coverage
- Event Protector Plan coverage
- Flood coverage, and more.
What Is Workers’ Compensation Insurance?
Workers’ Comp insurance is mandated by each state. This coverage protect businesses from expensive medical expenses, lost wages, and rehabilitation costs that are paid to employees who become injured or ill at work. Worker’s Comp also provides death benefits to families of employees who are killed on the job.
Who Is Required To Carry Worker’s Comp Insurance?
All states, with a few exceptions, require businesses to purchase worker’s compensation coverage for their employees who are not owners. Whether your business is small or large, worker’s compensation insurance is required by law. If you fail to provide workers’ compensation coverage, your business can face severe and costly repercussions including payment of claims out of pocket, fines and possible imprisonment, as well as the result in closing your business.
A frequently asked question surrounding your service
A frequently asked question surrounding your service
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