Other Business Insurance Products

Personal Insurance Products

Workers Compensation

Workers compensation insurance is one of our major specialties and we offer policies to any size businesses (High Deductible & Self Insured programs are also available). In addition to having access to MANY private Workers' Comp carriers, we also represent the California State Compensation Insurance Fund. For more information on Workers Compensation, please refer to Insurance FAQ section.

Get a Workers Comp Quote

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Business Owners Policy (General Liability & Property)

Most businesses opt for package policies that cover the major Property and Liability exposures as well as for a loss of income. A common package policy used by most small to medium size businesses is called the Business Owners Policy (BOP).

Generally, BOPs provide more complete coverage at a lower price than separate policies for each type of insurance needed. However as your business grows, BOPs may not be available for larger businesses or those with higher risks associated with their operations. We can help you decide which policy or policies are right for your business.You can also purchase additional coverage for perils or conditions otherwise excluded (e.g., flood & earthquake protection) as endorsements to a standard policy or as a separate, second policy called a Difference in Conditions (DIC) policy. For more information on Business Insurance, please refer to Insurance FAQ section.

Get a Business Insurance Policy (BOP) Quote

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Directors & Officers Liability

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Directors & Officers Liability Insurance (D&O) provides protection to the directors and officers against personal liability and financial loss arising from their wrongful acts commited in their capacity as officers and/or directors. This type of coverage extends to claims that are not covered in a Commercial General Liability policy.

Get a Directors & Officers Liability insurance Quote

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Employment Practices Liability


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The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this kind of protection, some insurers provide this coverage as an endorsement to their Businessowners Policy (BOP). An endorsement changes the terms and conditions of the policy. Other companies offer EPLI as a stand-alone coverage.

EPLI provides protection against many kinds of employee lawsuits, including claims of:

• Sexual harassment
• Discrimination
• Wrongful termination
• Breach of employment contract
• Negligent evaluation
• Failure to employ or promote
• Wrongful discipline
• Deprivation of career opportunity
• Wrongful infliction of emotional distress
• Mismanagement of employee benefit plans

Get an Employment Practices Liability Quote

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Business Planning Tools

Buy-Sell Agreement

           

Key Person Insurance
           


Group Health Insurance

           

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Group Health

Business owners/managers or HR personnel with limited time, shouldn't have to call every health insurance company, get several proposals and then try to sort them out on their own. One call and we'll present (in person, at your office) a "side by side" group health comparison among ALL the health plans of ALL the companies in one proposal so an informed decision can be made based on your company's needs and budget. 

What is Group Health Insurance?

Get a Same Day Small Group Health Quote

Or: Call 1-800-723-5003 for a customized Comparison Quote Among All Major Insurance Companies

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Business Auto & Fleet

Whether it is your private passenger car used in your business, employer’s non-owned autos or a fleet of vehicles, such as contractors' trucks and vans, ambulances, blood transport vehicles or utility vehicles, we have several insurance markets for all types of business & commercial vehicle.

Commercial Vehicles need to be insured under a commercial vehicle policy (as opposed to a personal vehicle policy). Coverages on a commercial vehicle are similar to those of the personal vehicle. The distinction is that it is understood that the vehicle is being used in the course of business as opposed to commuting back and forth to work. These coverages are:

Auto Liability: Pays for Bodily injury and/or property damage caused to a third party due to the insured's (or driver's) negligence

Uninsured Motorist: Pays for Bodily injury to the driver and/or property damage to the insured's vehicle, due to the negligence of an uninsured or underinsured driver

Comprehensive: Pays the insured for damages caused to the insured vehicle due to causes other than collision (such as fire, vandalism, etc.)

Collision: Pays the insured for damages caused to the insured vehicle due to a collision with another vehicle or another object.

For a commercial vehicle quote, please call our office at 1-800-723-5003

Get a Business Auto Insurance Quote

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Surety Bonds

A surety bond is a contract among at least three parties:

• The obligee - the party who is the recipient of an obligation,
• The principal - the primary party who will be performing the contractual obligation,
• The surety - who assures the obligee that the principal can perform the task

The surety (bonding company) pays out cash to the limit of guarantee in the event of default of Principal to uphold his obligations to Obligee, without reference by Obligee to Principal and against obligee's sole verified statement of claim to the surety. Through a surety bond, the surety agrees to uphold — for the benefit of the obligee — the contractual promises (obligations) made by the principal if the principal fails to uphold its promises to the obligee. The contract is formed so as to induce the obligee to contract with the principal, i.e., to demonstrate the credibility of the principal and guarantee performance and completion per the terms of the agreement.

Get a License Bond

Get a Bid/Performance Bond

Get an Improvement Bond

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Individual Health

Individual helath plans (includes families) are subject to medical underwriting. This is in contrast to Small Group policies (2-50 lives), which are "guaranteed issue" by law in Californisa (AB 1672) regardless of any health conditions.

What are the different types of Health Insurance?

Get a Same Day Individual/Family Health Quote

Or: Call 1-800-723-5003 for a customized Comparison Quote Among All Major Insurance Companies

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Life & Disability Insurance

What is Life Insurance?


How much Life Insurance do I need?
           
What is Disability Insurance?
           

How much Disability Insurance do I need?
           
Get a Same Day Term Life Quote

Or: Call 1-800-723-5003 for a customized Comparison Quote Among All Major Insurance Companies

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Homeowners Insurance

Request a Homeowners Insurance Quote

For more information on Homeowners Insurance, please refer to Insurance FAQ section.

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Personal Auto Insurance

Request a Personal Auto Insurance Quote

For more information on Personal Auto Insurance, please refer to Insurance FAQ section.

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