Business Insurance
There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates. Coverage includes any financial liability incurred in addition to expenses related to the company's legal defense. There are three main types of business liability insurance: general liability insurance, professional liability insurance and product liability insurance. Workers' compensation is a type of insurance that offers employees compensation for injuries or disabilities sustained as a result of their employment. By agreeing to receive workers' compensation, workers are also agreeing to give up their right to sue their employer for negligence. Workers give up further recourse in exchange for guaranteed compensation, while employers consent to a certain amount of liability while avoiding the potentially greater damage of a large-scale negligence lawsuit. All parties (including taxpayers) benefit from avoiding the legal fees needed to process a trial.
Contact us for more information for your:
- Apartment & Condo
- Office Buildings
- Earthquake
- Auto Body/Repair Shop
- Retail Shops
- Restaurants
- Medical Offices
- Wholesale Distributors
- Workers Compensation
- Bonds
- Manufacturers
- Social Service Agencies
Home and Auto Insurance
Homeowners insurance is a form of property insurance designed to protect your home against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property. In the U.S. there are seven forms of homeowners insurance that have become standardized in the industry; they range in name from HO-1 through HO-8 and offer various levels of protection depending on the needs of the homeowner.
Do you have the right car insurance? Do you have enough coverage? While most people know whether they have liability, collision and/or comprehensive coverage, few people pay much attention to their insurance coverage until after they've been in an accident. Shopping for car insurance is a financial planning topic that is often overlooked, since most teenagers are added to mom and dad's insurance policy when they first get behind the wheel, and then later shop for the least expensive policy when they have to the pay the bill on their own.
Our home and auto insurance products include:
- Auto
- Home
- Condominium
- Renters
- Landlord
- Mobile Home
- Personal Umbrella
- Flood
- Earthquake
- Motorcycle
- Boat/Yacht
- Recreational Vehicle
- Classic Car & Collector Car
