Our philosophy
Each situation (and company) is unique. One-size-fits-all approaches will never help your business reach its full potential. Custom solutions take advantage of opportunities that your competitors can’t. That’s what we deliver to you.
Business Package BOP
The business owner policy (BOP) is used to insure the small to medium sized business market. The Business owners Policy is comprised of two major coverage sections – Section I – Property Coverage and Section II – Liability Coverage. Property coverage pays the insured business owner when covered property is damaged. For example, if a business owner’s building or personal property were damaged by a fire (a covered loss), the policy would pay for the damaged property.
The second major component in the Business owners Policy is Section II –Liability Coverage. Liability coverage protects the insured business owner and pays a third party (e.g., a customer) the sums the insured business owner is legally obligated to pay due to his or her negligence.
Make an appointment today, call (805) 766-1378.
Commercial Umbrella
Is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. When an insured is liable to someone, the insured’s primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).
Surety/Fidelity Bonds
Farm Labor Contractor Bond – required to obtain a Farm Labor Contractor License in California
Contract Bond – guarantees that an entity awarded a contract will meet its obligations under that contract.
License and permit bonds — bonds are required by certain federal, state, or municipal governments as prerequisites to receiving a license or permit to engage in certain business activities.
Commercial Auto
If you are operating a vehicle for any business-related purposes, you will need commercial car insurance.
For example, you would need commercial insurance to operate a vehicle for:
Pickup or delivery of goods including:
- Produce
- To pick and drop off vehicles not owned by the company (tow truck).
Additionally, you may need commercial insurance if your vehicle is:
Registered or titled to a:
- Business.
- Corporation.
- Partnership.
Cargo Insurance –protects products that are in transit by ship, train, semitrailer truck or delivery vehicle.