BUSINESS INSURANCE MADE EASY & AFFORDABLE

Our commercial insurance broker specializes in providing insurance solutions for businesses. They work with business owners to identify their risks and develop customized insurance plans to protect against those risks.
With a deep understanding of the insurance industry, we can provide expert guidance on the types of coverage that are most appropriate for a particular business. Our job is to simplify and explain complex terms and conditions of insurance policies, and assist in filing claims if needed.
We can also save business owners time and money by shopping around for the best insurance rates and coverage options from many insurance providers.
Our insurance brokers are here to provide a peace of mind for business owners by ensuring that their businesses are adequately protected against unforeseen events and liabilities.
PRODUCTS
Business Owners Policy (BOP)
​General Liability Insurance
​Commercial Property Insurance
Workers Compensation Insurance
​Commercial Auto Insurance
E&O Insurance
​Directors & Officers Insurance (D&O)
Crime Insurance
Cyber Liability Insurance
​Builders Risk Insurance


​Business Owners Policy (BOP)
A business owners insurance policy (BOP) is a type of insurance policy that provides coverage for small to medium-sized businesses. A BOP combines several types of insurance coverage into a single policy, making it a convenient and cost-effective option for many business owners.
Here are some of the most common types of coverage included in a business owners insurance policy:
  1. Property damage coverage: This coverage can help protect the physical assets of the business, such as buildings, equipment, and inventory, against damage or loss due to events such as fire, theft, or severe weather.
  2. Liability protection: This coverage can help protect the business from lawsuits filed by others who may have been injured on the property or as a result of the business's actions.
  3. Business interruption coverage: This coverage can help cover the loss of income if the business is unable to operate due to damage.
  4. Data breach coverage: This coverage can help cover the costs associated with a data breach, such as notifying customers and providing credit monitoring services.
  5. Employee dishonesty coverage: This coverage can help protect the business from losses due to employee theft or fraud.
BOPs may also offer additional coverage options, such as coverage for professional liability, commercial auto insurance, or cyber liability insurance.
The cost of a business owners insurance policy will depend on several factors, including the size and type of business, its location, and the level of coverage you choose. However, a BOP is typically less expensive than purchasing each type of coverage individually.
If you own a small to medium-sized business, it's important to obtain a business owners insurance policy to protect your assets and ensure that you have the coverage you need in the event of an unexpected event.

General Liability Insurance
​General liability insurance is a type of insurance policy that provides coverage for a wide range of risks faced by businesses. It is designed to protect businesses from lawsuits or claims made by third parties, such as customers or vendors, who may have been injured or suffered damage as a result of the business's operations.
Here are some of the most common types of coverage included in a general liability insurance policy:
  1. Bodily injury coverage: This coverage can help protect the business from claims made by individuals who were injured on the business's property or as a result of the business's operations.
  2. Property damage coverage: This coverage can help protect the business from claims made by individuals whose property was damaged as a result of the business's operations.
  3. Personal injury coverage: This coverage can help protect the business from claims made by individuals who suffered emotional distress, defamation, or other types of non-physical injuries as a result of the business's operations.
  4. Product liability coverage: This coverage can help protect the business from claims made by individuals who were injured or suffered damage as a result of a product sold by the business.
General liability insurance policies may also offer additional coverage options, such as coverage for advertising injury, medical payments, or liquor liability.
The cost of a general liability insurance policy will depend on several factors, including the size and type of business, its location, and the level of coverage you choose. However, the average cost of a general liability insurance policy for small businesses is around $500 to $1,000 per year.
If you own a business, it's important to obtain general liability insurance to protect your business and ensure that you have the coverage you need in the event of an unexpected event.

​Commercial Property Insurance
​Commercial property insurance is a type of insurance policy that provides coverage for physical property owned by a business. It is designed to protect a business's property from damage or loss due to events such as fire, theft, or severe weather.
Here are some of the most common types of coverage included in a commercial property insurance policy:
  1. Property damage coverage: This coverage can help protect the physical assets of the business, such as buildings, equipment, and inventory, against damage or loss due to events such as fire, theft, or severe weather.
  2. Business interruption coverage: This coverage can help cover the loss of income if the business is unable to operate due to damage.
  3. Extra expense coverage: This coverage can help cover the additional costs associated with maintaining business operations, such as renting temporary space or hiring additional staff, while the business's property is being repaired or replaced.
  4. Equipment breakdown coverage: This coverage can help cover the costs associated with repairing or replacing equipment that has broken down or failed.
Commercial property insurance policies may also offer additional coverage options, such as coverage for outdoor signs, valuable papers and records, or crime coverage.
The cost of a commercial property insurance policy will depend on several factors, including the size and type of business, its location, and the level of coverage you choose. However, the average cost of a commercial property insurance policy for small businesses is around $750 to $1,000 per year.
If you own a business, it's important to obtain commercial property insurance to protect your property and ensure that you have the coverage you need in the event of an unexpected event.

Workers Compensation Insurance 
​Workers compensation insurance is a type of insurance policy that provides coverage for employees who suffer work-related injuries or illnesses. It is designed to protect both the employer and the employee by providing benefits to employees who are injured on the job while also protecting employers from costly lawsuits related to workplace injuries.
Here are some of the most common types of coverage included in a workers compensation insurance policy:
  1. Medical benefits: This coverage can help cover the costs of medical treatment, such as doctor visits, hospitalization, and prescription medications.
  2. Disability benefits: This coverage can help cover lost wages if an employee is unable to work due to a work-related injury or illness.
  3. Death benefits: This coverage can provide benefits to the family of an employee who dies as a result of a work-related injury or illness.
Workers compensation insurance policies may also offer additional coverage options, such as vocational rehabilitation or legal defense coverage.
The cost of a workers compensation insurance policy will depend on several factors, including the type of business, the number of employees, the level of risk associated with the company's operations, and the state in which the business operates. However, the average cost of workers compensation insurance is typically based on a percentage of payroll, and rates vary depending on the industry.
If you own a business that employs workers, it's important to obtain workers compensation insurance to protect your employees and ensure that you have the coverage you need in the event of a work-related injury or illness.

Commercial Auto Insurance
Commercial auto insurance is a type of insurance policy that provides coverage for vehicles used for business purposes. It is designed to protect a business's assets and financial resources in the event of an accident or other incident involving a commercial vehicle.
Here are some of the most common types of coverage included in a commercial auto insurance policy:
  1. Liability coverage: This coverage can help cover the costs associated with bodily injury or property damage to other people or their property in the event of an accident involving a commercial vehicle.
  2. Collision coverage: This coverage can help cover the costs associated with repairing or replacing a commercial vehicle that is damaged in an accident.
  3. Comprehensive coverage: This coverage can help cover the costs associated with damage to a commercial vehicle that is not caused by an accident, such as theft, vandalism, or weather-related damage.
  4. Medical payments coverage: This coverage can help cover the costs of medical treatment for injuries sustained in an accident involving a commercial vehicle.
Commercial auto insurance policies may also offer additional coverage options, such as coverage for uninsured or underinsured motorists, or coverage for rental vehicles used for business purposes.
The cost of a commercial auto insurance policy will depend on several factors, including the type and number of vehicles used for business purposes, the level of risk associated with the company's operations, and the level of coverage you choose.
If you own a business that uses vehicles for commercial purposes, it's important to obtain commercial auto insurance to protect your assets and ensure that you have the coverage you need in the event of an accident or other incident involving a commercial vehicle.
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E&O Insurance
Errors and omissions insurance (E&O), also known as professional liability insurance, is a type of insurance policy that provides coverage for professionals who provide advice or services to clients. It is designed to protect professionals from lawsuits or claims made by clients who believe they suffered financial losses or damages as a result of the professional's negligence, errors, or omissions.
Here are some of the most common types of coverage included in an errors and omissions insurance policy:
  1. Professional liability coverage: This coverage can help protect the professional from claims made by clients who believe they suffered financial losses or damages as a result of the professional's negligence, errors, or omissions.
  2. Legal defense coverage: This coverage can help cover the costs associated with defending against a claim, such as hiring an attorney or paying court fees.
  3. Settlement or judgment coverage: This coverage can help cover the costs of a settlement or judgment if the professional is found liable for damages.
Errors and omissions insurance policies may also offer additional coverage options, such as coverage for cyber liability or intellectual property infringement.
The cost of an errors and omissions insurance policy will depend on several factors, including the size and type of business, the type of services provided, and the level of coverage you choose. However, the average cost of an errors and omissions insurance policy for small businesses is around $1,000 to $2,000 per year.
If you are a professional who provides advice or services to clients, it's important to obtain errors and omissions insurance to protect yourself and ensure that you have the coverage you need in the event of a claim or lawsuit.

Directors & Officers Insurance (D&O)
​Directors and officers (D&O) insurance is a type of insurance policy that provides coverage for the directors and officers of a company against claims made against them in their capacity as leaders of the organization. It is designed to protect the personal assets of directors and officers in the event of a lawsuit or claim against them.
Here are some of the most common types of coverage included in a directors and officers insurance policy:
  1. Defense costs coverage: This coverage can help cover the costs associated with defending against a claim or lawsuit, such as legal fees or court costs.
  2. Settlement or judgment coverage: This coverage can help cover the costs of a settlement or judgment if the director or officer is found liable for damages.
  3. Personal liability coverage: This coverage can help protect the personal assets of the director or officer in the event that they are personally sued for their actions while serving in their leadership role.
Directors and officers insurance policies may also offer additional coverage options, such as coverage for employment practices liability or fiduciary liability.
The cost of a directors and officers insurance policy will depend on several factors, including the size and type of business, the level of risk associated with the company's operations, and the level of coverage you choose. However, the average cost of a directors and officers insurance policy for small businesses is around $1,500 to $3,000 per year.
If you serve as a director or officer of a company, it's important to obtain directors and officers insurance to protect your personal assets and ensure that you have the coverage you need in the event of a claim or lawsuit.

Crime Insurance
Crime insurance is a type of insurance policy that provides coverage for businesses against losses due to criminal acts such as theft, fraud, and embezzlement. It is designed to protect a business's assets and financial resources in the event of a crime-related loss.
Here are some of the most common types of coverage included in a crime insurance policy:
  1. Employee theft coverage: This coverage can help protect a business from losses due to theft by employees.
  2. Forgery or alteration coverage: This coverage can help protect a business from losses due to fraudulent checks, credit card transactions, or other financial instruments.
  3. Theft of money and securities coverage: This coverage can help protect a business from losses due to theft of cash, securities, or other valuables.
  4. Computer fraud coverage: This coverage can help protect a business from losses due to theft of funds or data through a computer system.
Crime insurance policies may also offer additional coverage options, such as coverage for losses due to kidnap and ransom or cyber extortion.
The cost of a crime insurance policy will depend on several factors, including the size and type of business, the level of risk associated with the company's operations, and the level of coverage you choose. However, the average cost of a crime insurance policy for small businesses is around $500 to $1,500 per year.
If you own a business, it's important to obtain crime insurance to protect your assets and ensure that you have the coverage you need in the event of a crime-related loss.

Cyber Liability Insurance
​Cyber liability insurance is a type of insurance policy that provides coverage for businesses against losses due to data breaches, cyber attacks, and other cyber-related incidents. It is designed to protect a business's assets and financial resources in the event of a cyber-related loss.
Here are some of the most common types of coverage included in a cyber liability insurance policy:
  1. Data breach response coverage: This coverage can help cover the costs associated with responding to a data breach, such as notifying customers and providing credit monitoring services.
  2. Cyber liability coverage: This coverage can help cover the costs associated with defending against a claim or lawsuit related to a cyber-related incident.
  3. Business interruption coverage: This coverage can help cover the costs associated with loss of income or additional expenses due to a cyber-related incident.
  4. Cyber extortion coverage: This coverage can help cover the costs associated with responding to a cyber extortion threat, such as paying a ransom.
Cyber liability insurance policies may also offer additional coverage options, such as coverage for network security liability or media liability.
The cost of a cyber liability insurance policy will depend on several factors, including the size and type of business, the level of risk associated with the company's operations, and the level of coverage you choose. However, the average cost of a cyber liability insurance policy for small businesses is around $1,000 to $2,000 per year.
If you own a business that handles sensitive data or operates online, it's important to obtain cyber liability insurance to protect your assets and ensure that you have the coverage you need in the event of a cyber-related loss.

Builders Risk Insurance (Course of Construction)
​Builders risk insurance is a type of property insurance that provides coverage for damage or loss to buildings or structures during the construction process. It is designed to protect a builder, contractor, or property owner's investment in the project while it is under construction.
Here are some of the most common types of coverage included in a builders risk insurance policy:
  1. Coverage for damage to the building or structure: This coverage can help protect the building or structure under construction from damage due to fire, theft, vandalism, wind, and other hazards.
  2. Coverage for materials and equipment: This coverage can help protect materials and equipment from loss or damage due to theft, fire, or other hazards while they are being used in the construction process.
  3. Soft costs coverage: This coverage can help cover additional costs associated with construction delays or interruptions, such as additional interest on loans or fees associated with building permits.
Builders risk insurance policies may also offer additional coverage options, such as coverage for earthquake or flood damage.
The cost of a builders risk insurance policy will depend on several factors, including the size and type of construction project, the level of risk associated with the project, and the level of coverage you choose. However, the average cost of a builders risk insurance policy is typically 1-4% of the total construction budget.
If you are involved in a construction project as a builder, contractor, or property owner, it's important to obtain builders risk insurance to protect your investment and ensure that you have the coverage you need in the event of damage or loss during the construction process.


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FAX. 415-440-5139