Will my policy cover that? That’s a common question most individuals have when looking for insurance. We don’t blame you! Insurance can be complex but that’s a question we can help you answer.
Our licensed insurance advisors are knowledgable and experienced to help you find the right coverage for your business.
Browse the menu of business insurance options we can help you with, and click the ‘Book Consultation’ link below to connect with one of our advisors.
Insurance
Lines of Coverage Options
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Broad type of coverage for general business risks.
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Often called “Work Comp” or “Workman’s Comp,” gives your employee’s benefits if they suffer a work-related injury or illness.
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Protects your business from risks involving company vehicles.
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A form of professional liability insurance designed to protect your business for inadequate work.
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Covers your business against claims by workers that their legal rights as employees have been violated.
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Helps your business respond to and recover from cyber attacks and data breaches.
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Specialized type of property insurance designed for buildings under construction.
Our Focus
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Automotive
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Construction
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Food & Beverage
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Retail & E-Commerce
What about my business?
Contact us today to speak with a trusted licensed insurance advisor to learn if we are available in your market, or click on the “Book Consultation” link at the bottom of this page and we will contact you.
“The fine print is more important than the selling price.”
In insurance, there is no one-size-fits-all policy. There is also no insurance policy that covers everything. One policy can have an attractive premium but the language on how a policy will pay a claim, what will be covered, and, more importantly, what will not be covered, can vary from one to another.
But, that’s where we come in.
We will simplify your experience with protecting and managing the risks of your business and help you choose the right coverage.
Contact us today to review your current insurance coverage with a trusted licensed insurance advisor.
Does my policy cover that?
Frequently Asked Questions
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This is a question many business owners find asking themselves. More in particular home-based businesses and professional services, such as our insurance practice. But, unless you can meet capital and regulatory requirements for being “Self-Insured,” then you need insurance.
Typically, most business owners will believe no physical claims can happen but not take into account verbal or advertisement claims.
For example, a home based tax services business may not have clients visit them but may have a claim for giving wrong advice to a client. This is where an Errors & Omissions policy would need to be in-place, which can help cover legal defense costs.
Furthermore, a home based business markets to potential clients online and have a claim for advertisement injury from a photographer for using their photos without permission. This is where a General Liability policy would need to be in-place.
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The options to purchase insurance coverage for a business can be simple or complex, depending on a number of factors such as industry, operations, services, and/or location.
Depending on those factors can lead a business to purchase a policy from either an “Admitted” or a “Non-Admitted” insurance carrier.
An “Admitted” insurance carrier is a carrier that has been admitted by a states Department of Insurance and complies with a states regulations, whereas a “Non-Admitted” carrier has not.
Whether an “Admitted” or a “Non-Admitted” carrier will benefit a business owner will depend on the business.
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An Agent represents one insurance company and authorized to sell only that insurance carriers coverage products.
A Broker represents clients and authorized to sell insurance products from a variety of insurance carriers.
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An Agency is an insurance firm that offers insurance products only for the insurance carrier that location and staff represent.
A Brokerage is an insurance firm that represents clients and authorized to sell insurance products from a variety of insurance carriers.
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By law, insurance professionals must advertise their insurance license number for each state and product licensed for.
To learn if a license is active, valid, and in-good standing, you can visit the Department of Insurance website, or to check in California, click on the link below.
100 W Broadway Suite 3000
Long Beach, CA 90802
Hours
Monday – Friday
8am – 6pm
Phone
(562) 548-2146
Privacy Policy | Terms & Conditions
CA Agency License # 6000956