Self Service Shopping

A Business Owner's Policy (BOP) is an affordable insurance package for small businesses that bundles General Liability Insurance and Commercial Property Insurance. Basically, BOP Insurance protects your business by covering some of the most common risks it faces, including…

• Lawsuits over customer injuries or property damage.
• Lawsuits over defamation, copyright infringement, slander, and other advertising injuries.
• Damage to your equipment, furniture, and other business property.

If you provide day care services for children, you know that kids have accidents - sometimes mishaps that cause serious injuries. 

Daycare insurance is a specific type of business insurance that was designed to meet the unique needs of childcare businesses.  It insures you and others you employ for loss arising out of your responsibility or negligence while performing your business. It can cover..

• you
• your staff
• your children
• medical expenses
• death and specific loss
• supervised activities
• direct travel to the supervised activities 

As technology becomes more complex and sophisticated, so do the threats we face – which is why every business and organization needs to be prepared with both cyber liability insurance and an effective cyber security plan to manage and mitigate cyber risk. 

We can provide a broad cyber liability coverage customized to fit the needs of small businesses to Fortune 500 companies and every organization in between – including financial institutions and nonprofit organizations.

HOMEOWNERS INSURANCE PROTECTS MORE THAN YOUR HOUSE

While a standard homeowners policy helps provide protection for your house, its coverage typically extends to more than the physical structure of your home. From your personal belongings to the shed in your backyard or even medical bills if a guest is injured on your property, a homeowners insurance policy may include coverage for:

• your dwelling
• other structures
• personal property
• you and your family
• guests
• additional living expenses

Special events insurance exists to protect the "uh-oh's" and "what ifs" that might arise before or during an event such as a slip and fall. Many venues require event liability insurance and request to be added to your policy as an additional insured. Also liquor liability may need to be added.

We can cover every event from weedings, parties and corporate events to sports activities, recreation, entertainment and event cancellations.

All California employers must provide workers’ compensation benefits to their employees under California Labor Code Section 3700. If a business employs one or more employees, then it must satisfy the requirement of the law. 

Failing to have workers' compensation coverage is a criminal offense. Section 3700.5 of the California Labor Code makes it a misdemeanor punishable by either a fine of not less than $10,000 or imprisonment in the county jail for up to one year, or both. Additionally, the state issues penalties of up to $100,000 against illegally uninsured employers.

Please contact us with regard to who must and may be included in workers’ compensation coverage.