Small Business Auto & Truck

“Small Business” auto and truck” for insurance purposes, is usually defined as privately owned corporations, partnerships and sole proprietorships with anywhere from one to 100 employees that typically operate everyday vehicles such as pickup trucks, vans, cars and SUVs when carrying out the work of the business.

Whether you need to buy a business auto and truck policy will depend on the kind of driving you do, if you have employees that will be driving your vehicles or drive their own vehicles while carrying out part of your business’s tasks - something we can quickly help you determine. The list below includes commercial auto/truck insurance coverage typically recommended for small business - coverage that protects you in most accident situations.

Liability Insurance: pays for injuries and damages caused to other people and their property.

Bodily Injury Insurance: pays for injuries caused to people.

Property Damage Insurance: pays for damage caused to other people's property.

Medical Payments Insurance: pays medical bills for you and any passengers in your vehicle in case they are hurt in an accident or auto-related injury.

Physical Damage Insurance: pays for repairs to your vehicles if they are damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch.

Collision Insurance: pays for repairs to your vehicles caused by an accident.

Comprehensive Insurance: pays for repairs to your vehicles caused by outside forces such as vandalism, theft or weather-related damage.

Uninsured Motorist Insurance: pays for damages to you and your vehicles caused by drivers who don't have insurance or don't have sufficient insurance. Also protects hit-and-run caused damage.

We know small business and specialize in auto and truck insurance. Contact us to learn more about coverage options and to review your current policies for recent changes in the law and potential policy price savings and payment plans.

Business Owner Package (BOPs)

A Business Owner Package simplifies risk management for your business through a combination of coverage packages, each designed to fit your specialty of business and operations. BPOs generally include:

Property insurance for buildings and contents owned by the company -- there are two different forms, standard and special, which provides more comprehensive coverage.

Business Income (sometimes known as business interruption insurance), covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.

General Liability covers your company's legal responsibility for the harm it may cause to others. This harm is a result of what you and your employees do, or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided. NOTE: Professional liability insurance is separate from general liability.

Equipment insurance for the specialized and costly equipment you need to operate and manage your business.

NOTE: Business Owner Packages do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance.

Business Income & Extra Expense Insurance

The success of a business - whether it’s your passion coming to life in your garage a small to medium size business or a large corporation - runs on hard work and requires investment and working capital at the very least. No matter how passionate or well operated your business, one ill-timed disaster can wipe out all your profits and potentially put an end to your business and your dreams. The key to making sure that all the effort and money you have invested in a business doesn't disappear when a disaster strikes is to protect it with the appropriate insurance.

Business Income (sometimes referred to as Business Interruption) insurance compensates you for lost income if your company has to vacate the premises due to disaster-related damage that is covered under your property insurance policy, such as a fire. Business interruption insurance covers the profits you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continues even though business activities have come to a temporary halt.

Most people would never consider opening a business without buying insurance to cover damage due to fire and windstorms. But too many small business owners fail to think about how they would manage if a fire or other disaster renders their business premises temporarily unusable.

Business income coverage is not sold separately. It is added to a property insurance policy or included in a package policy.

  • Make sure the policy limits are sufficient to cover your company for more than a few days. After a major disaster, it can take more time than many people anticipate to get the business back on track. There is generally a 48-hour waiting period before business interruption coverage kicks in.
  • The price of the policy is related to the risk of a fire or other disaster damaging your premises. All other things being equal, the price would probably be higher for a restaurant than a real estate agency, for example, because of the greater risk of fire. Also, a real estate agency can more easily operate out of another location.

Extra expense insurance reimburses your company for a reasonable sum of money that it spends, over and above normal operating expenses, to avoid having to shut down during the restoration period. Usually, extra expenses will be paid if they help to decrease business interruption costs. In some instances, extra expense insurance alone may provide sufficient coverage, without the purchase of business Income (or interruption) coverage.

General Liability & Excess Liability

No matter what business you’re in, we live in a time when the potential for liability exists in every aspect of your operation. Liability issues and loss are a real world occurrence that too often leads to financial loss, damage to hard-earned reputations, and the results severely limit a business’s ability to compete.

General liability coverage helps protect your business from the devastating loss of liability claims. Excess liability coverage has unique characteristics that further increase amounts of potential liability beyond what is considered adequate for an average small business.

Because we work with major providers like Liberty Mutual, you have access to claims specialists that support your loss reduction efforts by promptly responding to all claims made against your business, keeping you up to date on their status, mitigating losses, and fighting fraudulent claims. You’ll also have access to the latest claims analysis tools to help you better manage your general liability dollars.

Loss control specialists can show you how your business’s liability exposures impact profits. After investigating your current safety practices, the specialists work with you to identify areas of potential loss, design and implement controls to mitigate loss, and institute methods for measuring your progress. The likely result? A safer, more responsible, more profitable business.

To learn more about how we can help reduce your general liability exposures, claims frequency, and severity of loss, contact us today.

Workers Compensation

Workers Comp coverage protects employers from lawsuits resulting from workplace accidents and provides medical care and compensation for lost income to employees hurt in workplace accidents.

If you are an employer doing business in the state of California, you are required to buy Workers Compensation insurance. Workers Compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers Compensation provides payments to injured workers without regard to who was at fault in the accident, for time lost from work, and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Although the concept of Workers Comp insurance seems rather straight forward, there are many complexities regarding how the system is administered, the provisions of medical and rehabilitation services that are carried out, whether the worker or employer can choose the doctor who treats the injuries, how disputes about benefits are resolved, etc.

Workers Compensation insurance must be bought as a separate policy. Although Business Owners insurance is sold as package policies, they don't include coverage for workers' injuries.

Over the years, we have dealt with a wide variety of Work Comp claims and have become experts in agricultural and small business.