Whether you’re in the board room, out in the field, or actively helping customers in your store, YOU make the difference in your business and WE will make the difference in protecting it.
No matter how closely you monitor your business, accidents happen and all it takes is one disastrous situation to wipe out all of your profits, or even worse, destroy what you’ve worked so hard to build.
The key to protecting your business is to have the appropriate insurance policy in place, so if an unforeseen event happens, you can rest assured that you’ll be covered.
What does business insurance cover?
From the building that houses the business to the property and employees within the business, owners can safeguard their investment and protect themselves against the risk of a scenario that could prove devastating.
In addition to the standard General Liability and Business Property policies, there are a wide range of additional insurance policies that protect against business specific risks such as loss of inventory, business interruption, liquor liability, food spoilage, and much more.
Below, we will discuss some of the different types of business insurance policies along with their features & benefits.
Business Insurance Policies
You may have need for insurance coverage options that are not listed below. Please contact us to discuss your particular situation. 760.600.0550
Business Owners Policy (BOP)
This is a “package” policy that combines protection from all of the major property and liability risk classes. This policy is generally purchased by small to mid size businesses and was created as an easy way for business owners to ascertain blanket coverage at a more affordable rate.
Commercial General Liability
This is a “catch-all” type of policy that focuses on covering the liability exposure of your business. From bodily injury to property damage to advertising negligence, you or a member of your organization can make a mistake that leaves you liable. When such mistakes occur, you may find yourself legally accountable to pay damages to another party who suffers a loss due to you or your employees actions (or inactions). This is where CGL insurance comes into play, to protect your interests.
Commercial Property Insurance
Business property is the life-blood of most companies. Without the right policy in place, a property loss could cause an entire organization to fail. The good news is there are property insurance policies that will protect your business property from many different risks including fire, theft, and natural disasters. If your business has a physical location, it will need a Commercial Property Insurance policy.
Commercial Auto Insurance
Just like you need auto insurance on your own personal vehicle, your business will need a Commercial Auto policy to cover its business-owned and leased vehicles. Like a private auto policy, the commercial auto policy will provide collision and damage coverage as well as coverage for property and personal damage to others.
One of the core responsibilities of any business owner is to provide a safe work environment for their employees. Nonetheless, accidents do happen and when they do, Workers Compensation Insurance will provide the protection that you need. Workers compensation serves two functions. First, it assures that an injured employee gets medical attention as well as compensation for part of their income while unable to work. Second, it usually protects the employer from lawsuit brought on by employees injured while working.
Rental Property Insurance
If you’re someone who owns an investment or rental income property then this insurance policy is for you. This type of insurance covers the unique risks to landlords and property owners who have tenants in their buildings. Coverage under this policy can help protect you against the risks of revenue loss due to fires, storms, and other events that may threaten your long term investment.
Contractors Insurance / Builders & Tradesmen's Insurance
Businesses and people that work in this industry have very unique & specific needs. They are considered by the insurance industry as “higher risk” due to the nature of their work and the many hazards involved with it. We pride ourselves on being able to help those within this industry ascertain the quality insurance coverage they need, at an affordable price.
Whether you own a restaurant, deli, café , or gourmet bistro, running a restaurant is challenging enough without the worries of liability exposure, property damage, loss of income and food spoilage. Having an appropriate Restaurant Insurance policy in place will help to alleviate those fears and allow you to get back to what counts, creating amazing food & taking care of your customers.
Knowledge Is Power
Now that you have a better understanding about the different types of coverage available on a commercial insurance policy, you’re probably ready to find the coverage that’s right for you.
Remember, business insurance is not a “one size fits all” solution.
Your needs are going to be different from the next person so it’s important that we work together to create a policy that will meet your specific goals and most importantly, be affordable.
I will shop the top rated insurance carriers to find you the best insurance policy, with the most coverage, at the lowest rate.
By working with me, you will get the personal attention you deserve, a superior policy to protect your business, and a price that will fit your budget.
Now that’s insurance done right.
Fill out the brief form to your right or call 760.600.0550 and let’s get started.
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What My Clients Are Saying
Don’t just take it from me, I’ll let my customers do the talking!
“John is a First Class Insurance Broker.
His knowledge of the business and passion for client satisfaction are second to none.
I’ve seen his diligence first hand and this guy is as good as they get.”Derrick M.
“John is always a pleasure to work with.
He knows insurance in and out and has demonstrated a strong passion in getting people what they need without the push that other agents tend to do.
He is also a great guy who treats people with respect…something rare in the insurance industry..!!”Vincent M.
“It was great working with John, he listened to me and found exactly what I needed.
He managed to save me a lot of money as well as get a much better package.
I would 100% recommend John to anybody looking for insurance.”Tom B.