After conducting an assessment, we recommend limits that will appropriately cover the insured’s risk. We shop around until we find the appropriate insurance carrier that will provide those limits for the lowest premium amount.
The most common reason why someone may need an SR-22 in the state of California, is a recent DUI conviction on your record. Even if your driving privileges are not suspended, the state of California will require a Certificate of Financial Responsibility filing with the DMV; called an SR-22.
In the state of California, all financial institutions require one to obtain home insurance before the closing of escrow. We provide home insurance for standard homes, as well as, high value homes. We will cover your home and the contents within your home.
For those who own a condo, condominium insurance covers the interior of the condo and your personal possessions from potential losses such as theft or damage from a fire. One must also protect themselves from liability claims and lawsuits should someone be injured in your condo.
Renter’s insurance provides coverage for your personal property, liability, and additional living expenses. While you may not be able to predict such events as a break in or an injury occurring within the premises, you can protect yourself from being liable and insure your personal property. Should your property be deemed unoccupiable, you will also be able to receive additional living expenses.
Protect yourself, your ride and others, should you be involved in an at-fault accident; by obtaining bodily injury and property damage liability. Comprehensive and collision coverage will help you repair or replace a damaged or stolen motorcycle.
The California Earthquake Authority (CEA) provides most earthquake insurance in California. Earthquake insurance covers some of the losses and damage that may occur during an earthquake. It will also cover your belongings and other buildings on your property. If you have a mortgage, you must have homeowners insurance.
Most travel insurance plans include various coverage such as trip cancellation, trip interruption, trip delay, lost or delayed baggage, medical coverage, medical evacuation, etc. Travel insurance will cover the pre-paid, non-refundable portion of your trip expenses.
Umbrella insurance is an extra liability insurance designed to provide excess coverage protecting you when your underlying liability policies will not be enough to cover a claim. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.
Personal Articles Floater
This insurance covers property that has received limited coverage under a homeowner’s policy. It covers such personal property as furs, jewelry, fine arts, silverware, cameras, musical instruments, stamp and coin collection, and similar property.
General liability insurance is for business owners that need coverage for costs of damage to a third-party’s (landlord) property caused by you or your employee. Having general liability insurance coverage protects your business against third-party claims of bodily injury &/or damage to someone else’s property; for which you are legally liable. It also protects the business owner against claims of slander.
In the State of California, it is mandatory for employers to purchase worker’s compensation insurance even if you only have one employee. No matter who was at fault for the injury, in most scenarios, the employee will receive worker’s compensation benefits. Worker’s Comp benefits act as a type of insurance that precludes the employee from suing his/her employer for the injuries they sustained.
Commercial auto insurance provides protection for any vehicle designated for business use against both property damage and liability. Whether you drive a vehicle that is for dedicated business use or drive a personal vehicle for business, it is important to have commercial auto insurance, as your vehicle will not covered under a personal auto policy.
Professional Liability- E&O Insurance
Professional liability insurance (PLI), also called professional indemnity insurance (PII), yet commonly referred to as Errors & Omissions (E&O), is a form of liability insurance which protects those who provide advice and services to individuals/companies, for a fee. Attorneys, accountants, real estate agents, insurance agents, consultants, marketing representatives; are usually the common type of professionals who obtain Professional Liability Insurance.