Business and Commercial Insurance

Business Owners Policy (BOP)

Insurance policies that combine protection from all major property and liability risks in one package. A Business Owner Policy or BOP is an insurance package that assembles the basic coverages required by a business owner in one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.

Workers Compensation

State mandated form of insurance covering workers injured in job-related accidents. It's right up there with payroll and taxes. Finding the best price is only half the battle. In addition, we help you keep those costs down by providing Claims Administrations, Experience Modification Analysis and Safety/Loss Control assistance. We have access to just about every insurance carrier in California including some exclusive programs. The policy may include general liability insurance, workers' compensation insurance , umbrella liability insurance, payment and performance bonds, and builders' risk insurance. By insuring all under one policy, premiums are reduced, coverage can be increased and duplication of coverages is avoided.

General Liability

Liability insurance protects the assets of a business when it is sued for something it is liable for by causing an injury or property damage. Covered general liability claims can include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). The insurance company can cover compensatory and general damages as well. Punitive damages aren't covered because they're considered to be punishment for intentional acts.