Commercial Liability & Business Insurance

January 15, 2019
Commercial Liability Insurance is a requirement for anyone in business - from the doctor and lawyer to the plumber and general contractor. We represent only California Admitted insurance companies.

Currently we have a unique program with the following features:
  • Rates are based on gross receipts instead of payroll
  • The standard rates are discounted
  • Audits are on an annual basis instead of quarterly as they are with some payroll rating companies
  • We also provide liability insurance for Officers & Directors, Attorney Professional Liability, and Medical Malpractice

Contractors Insurance

Coverage

The policy is issued on either a claims made or occurrence form. 
Coverage includes:
  • General Liability
  • Property Damage Liability ($1,000 deductible, except roofers - $2,500 min deductible)
  • Personal and Advertising Injury
  • Medical Payments
  • Fire Legal Liability
  • Contractual Liability
  • Subcontracted work - up to 40%
  • Inland marine and property coverage can be written in conjunction with the general liability.

Exclusions

All policies exclude prior acts, roofers warranty, pollution, asbestos, punitive damages, assault and battery, condominium and townhouse work, tract housing development work, engineers, architects or surveyors professional liability, inspection, appraisal and survey companies, specific accidents, and additional standard exclusions.

Limits

  • General aggregate $2,000,000
  • Personal and Advertising $1,000,000
  • Products/Completed Operation $1,000,000
  • Fire Damage Legal Liability $50,000
  • Medical Payment Limit $500
To Request a Contractors Insurance Quote.

Business Package

Programs

Some of our programs for business liability and property insurance are tailored toward the following types of businesses:
  • Auto Repair Shops
  • Restaurants/Bars/Taverns
  • Over 750 classes of business owner programs (BOPs), ranging from small to large, with 5 major insurance companies.
  • Mobile Home Parks
  • Night Clubs 
  • Large and Small - with or without entertainment
  • Day Care and Residential Care Providers 
  • Up to $2 MM liability for general and professional liability. We can also cover the property.
  • Computer Software Consultants and Developers
  • In-Home Businesses 
  • For the small business person operating out of their home. Professional Liability is excluded. Maximum of $50,000 business personal property value. A maximum of 7,500 square feet of total floor area for the residence.
  • Liquor Stores 
  • We represent 2 of the insurance leaders for this type of business.
  • Garage Facilities
  • Upholstery Shops
  • Smog Test Shops
  • Muffler Shops
  • Body Shops
  • Break Shops
  • General Repair, including Transmission
To Request a Business Package Program Insurance Quote.

Workers Comp Programs

We have access to over 100 special group programs for various classes of Workers Comp and can offer you the lowest possible rates.