COMMERCIAL INSURANCE

Are you a business owner? Do you have employees?

With our business owner policies, we can cover your entire operation. Bundle these policies and enjoy extra discounts, better communication, and quicker turnarounds times with our one stop shop for protecting your business.

LIABILITY COVERAGES

Depending on your business, we can tailor your coverages to help you protect against your biggest risks. Below are a few of the liability coverages we can offer.

Employment Practices Liability (EPLI) can cover your business if discrimination, sexual harassment or wrongful termination claims are made by present, former and future employees.

General Liability can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products and services.

Cyber Liability and Data Breach will help cover expenses if a privacy breach occurs and response teams are hired to notify and monitor victims of a security breach.

Hired & Non-Owned Automobile can pay for bodily injury or property damage for one of your employees while performing business activities in their car.

PROPERTY COVERAGE & INCOME PROTECTION

When disaster strikes, there are many ways to keep your income while your property is being restored and belongings are being replaced. Here are a few coverages you can find on our business owner policies.

Business Income Interruption Coverage allows you to continue receiving income while your business is being restored, covering expenses and lost revenue for up to 18 months! Property Insurance can help pay for repairs or replacements for damaged physical assets from disasters like fire, windstorms, hail, or vandalism. Tenant's Improvements and Betterments can cover fixtures, alterations, installations or additions acquired by or made at the insured’s expense, that are made part of the building and cannot be legally removed. Employee Dishonesty pays for direct physical loss to business personal property and money and securities resulting from dishonest acts of the insured's employees. Business Personal Property pays for the moveable items used and owned by your business if damaged by a covered loss. Loss Control Services are offered to all our business customers as a resource in maintaining an effective workplace. Improve workplace safety by identifying hazards, having safety and loss control plans, and providing trainings to ensure your business stays open and employees are available to work. A closed business is the worst business. We provide this at no charge. Financial Benefits include no large down payment required, no 3rd parties, or minimal fees.

WORKERS COMPENSATION

Our simple and cost-effective pay as you go system provides many benefits when covering your greatest asset, your employees!

By linking directly to your payroll, we reduce exposure to large audit balances and improve your business cash flow. This solution also eliminates the large initial down payment and removes unnecessary fees. We provide systems to help get your employees back to work quickly with loss control protocols and safety training.
Save money on your worker's comp and business policy when you package them together!

COMMERCIAL AUTO

Don’t let car troubles affect your business. We can help get your mobile office and delivery trucks back on the road again quickly after an accident. We can also help protect your business from lawsuits with sufficient liability and property damage coverages.

COMMERCIAL UMBRELLA

Protect your business from whatever may come with added liability coverages.

Business Operations We Specialize In

RESTAURANTS

I spent 10 years selling wine and spirits to restaurants in San Diego. I loved this time and care about this industry, and it is my desire to help your business flourish and continue making the San Diego restaurant scene so great.

From food trucks to white tablecloth dining, we have something for everyone. Why look anywhere else when you can get everything you need all in one place.

A few other highlights that make our policy the best you can find:

Wine collection coverage at full retail value
Liquor Liability, pays for amounts the insured is legally obligated to pay as damages for injury due to the selling, serving or furnishing of any alcoholic beverage.
Food contamination coverage with 2 limits: business income / advertising expense & restoration / medical expenses.
Franchisor royalty fees and server tips with business income coverage
Tenants’ improvements are separated from business personal property
Limited coverage for assault and battery

ARTISAN CONTRACTORS

From general liability to coverage on your tools, and everything in between, we love to help contractors involved in the installation, repair or service work required to keep your business running. We know your time is money, and we want to help get you back on your feet as quickly as possible.

Plumbing and HVAC
Electricians
Flooring
Stone, tile, marble and mosaic work
Building cleaning and maintenance services
Carpet and upholstery cleaning
Painting or wallpaper
Lawn and garden services/ Landscapers

Some unique coverage offerings:

Pollution coverage
Professional liability coverages, because everyone makes mistakes
General liability on aggregate basis and not claims made
Employee tool coverage

Auto Coverages designed for the contractor:

Blanket Waiver of Subrogation
Blanket Additional Insured
Primary and Noncontributory Coverage

HABITATIONAL

As the owner of a commercial residential property, you are responsible for the property itself and the tenants who reside there. Our habitational policy is designed to protect you from all these risks and help prevent financial loss.

Apartment Buildings
Dwelling Units (1-4)
Condominium and Townhome Associations
Planned Unit Developments

Some necessary and beneficial coverages we offer include:

Guaranteed Replacement Cost on Dwelling
3 Types of Building Ordinance and Law Coverage
Outdoor Property Coverage

RETAILS, SERVICE & OFFICE SPACE

Every business is exposed to a variety of risks, and keeping your doors open requires protection against slips and falls, property damage, and employee injuries.

Dry cleaners and laundromats
Food Stores (bakery, produce stands, ice cream shops)
Hardware, Home improvement, and Florists
Office space (accountants, dentists, lawyers, medical, architects, loan brokers, legal services, real estate agents, chiropractors, etc.)
Retail stores (barbers, clothing, music and dance studios)
Animal specialty services
Hobby and toy shops

Some Benefits to Our Policies:

Increased Cyber liability coverages and EPLI for select professionals
No audits on your business
Personal and advertising injury included

COMMERCIAL REAL ESTATE

Don’t stop at protecting your building. There are many other challenges you may face as a commercial real estate or self-storage facility owner, including your income and general liability protection from lawsuits and injuries.

Utility Services-Time Element pays for loss of business income and extra expense caused by an interruption of covered utility services to the described premises that result from direct physical loss or damage by a covered cause of loss to specified types of property away from the described premises.
Tenants Move Back Expense Pays for expenses the insured incurs to move displaced tenants back to the described premises after completion of repairs made necessary due to a covered loss.
Outdoor Signs pays for direct physical loss of, or damage to, outdoor signs at the described premises that are owned by the insured or owned by others but in the care, custody, and control of the insured.

AUTO SERVICE & REPAIR

As an owner/operator of an auto service business, there are many expenses and exposures under your care including expensive tools, equipment, and customers’ vehicles left in your possession.

Garage Keepers Liability Provides coverage for physical damage to customer autos left in the insured’s care while the insured is attending, servicing, repairing, parking, or storing it.
Products and Completed Operations Coverage provides coverage for all sums which the insured is legally obligated to pay as damages caused by bodily injury, personal injury, advertising injury, and property damage.
Equipment Breakdown pays for direct damage to the insured's machinery and equipment and loss of business income resulting from mechanical breakdown, electrical current or arcing or explosion of steam boilers.

WHOLESALE / DISTRIBUTION & MANUFACTURING

From replacing inventory after a fire to transporting your goods, we can protect your business as a wholesaler while covering product recalls and equipment breakdowns as a manufacturer.

Product Recall Expense covers losses associated with a covered product recall in the market due to a known or suspected defect.
Transportation and Cargo to cover against goods that are damaged or lost when transported by one of your vehicles or common contract carriers.
Equipment Breakdown pays for direct damage and resulting loss of income caused by or resulting from covered equipment breakdown.
Spoilage for perishable goods when they spoil due to a mechanical breakdown or power outage.
Business Income from Dependent Properties provides coverage for the actual loss of Business Income due to the necessary suspension of operations because of direct physical loss to a scheduled dependent property.

INSTITUTIONAL

Our institutional policy can protect you from claims of libel, slander, or privacy violations launched against your employees, organization, or visitor injuries that take place on your premises.

Educational Organizations
Religious Institutions
Clubs and Associations
Child Daycare Centers
Other Institutions May Apply

Unique Coverage Offerings:

Abusive Acts Liability provides coverage for acts of abuse or molestation and provides defense costs inside the limit and not in addition to the limit of insurance
Employee Benefits Liability can cover the amount you are legally obligated to pay due to errors in the administration of any employee benefit program.
Transportation and Cargo covers against goods that are damaged or lost when transported by one of your vehicles or common contract carriers.