Find Frequently Asked Questions Here

Agriculture insurance protects farmers, ranchers, and agribusinesses from financial losses due to weather events, equipment damage, crop failure, and liability claims. It ensures your livelihood and assets are safeguarded from unexpected risks. 

We provide coverage for a wide range of agricultural operations, including:
✔ Farms & Ranches
✔ Vineyards & Wineries
✔ Dairy & Livestock Operations
✔ Orchards & Nurseries
✔ Packing Houses & Processing Facilities
✔ Agricultural Equipment & Machinery 

Farm and ranch policies typically include property coverage for buildings and equipment, liability protection, crop insurance, and livestock coverage. Policies can be tailored based on the size and needs of your operation. 

Yes, farm liability insurance protects you against claims related to injuries, property damage, and legal disputes that may arise on your property or due to your operations. 

Crop insurance provides financial protection if your crops are damaged or lost due to drought, hail, flooding, or other natural disasters. It ensures you can recover from losses and maintain financial stability. 

Yes, inland marine insurance covers mobile farm equipment like tractors, combines, and irrigation systems against damage, theft, and accidents. 

✔ Farm insurance is designed for family-owned and traditional farming operations, covering crops, livestock, and farm equipment.
✔ Agribusiness insurance is for large-scale operations, food processors, and commercial agricultural businesses, offering more specialized coverage. 

Absolutely! We can bundle property, liability, workers’ compensation, and equipment coverage to create a comprehensive policy tailored to your operation while saving you money. 

Getting started is easy! Contact our team at (916) 776-1751, email us at bmc@meyerandcook.com, or click here to schedule a free consultation.

Commercial insurance protects businesses from financial losses due to property damage, liability claims, employee injuries, and other risks. It ensures your company remains operational even after unexpected events. 

Any business with employees, physical assets, customers, or operational risks should have commercial insurance. We provide coverage for:
✔ Large Corporations & Enterprises
✔ Manufacturing & Industrial Businesses
✔ Construction & Contractors
✔ Retail & Wholesale Operations
✔ Hospitality & Tourism
✔ Healthcare Facilities & Medical Practices 

 ✔ Commercial insurance is designed for large businesses with multiple locations, high revenue, and extensive operational risks.
✔ Small business insurance is tailored for local businesses and startups with fewer employees and more straightforward coverage needs. 

 We provide a wide range of policies, including:
✔ Commercial Property Insurance – Covers buildings, equipment, and inventory.
✔ General Liability Insurance – Protects against lawsuits, customer injuries, and property damage.
✔ Workers' Compensation – Covers workplace injuries and medical costs for employees.
✔ Commercial Auto Insurance – Insures company vehicles, fleets, and delivery trucks.
✔ Cyber Liability Insurance – Protects against data breaches and cyber threats.
✔ Commercial Umbrella Insurance – Provides additional liability coverage beyond standard policies. 

General liability insurance covers bodily injury, property damage, and legal expenses if your business is sued. While not legally required, many landlords, lenders, and clients require it as part of contracts. 

Yes, business interruption insurance covers lost income and expenses if your business temporarily shuts down due to a covered event, such as fire, flood, or natural disasters. 

✔ Bundle multiple policies (e.g., property, liability, and workers' comp).
✔ Implement workplace safety measures to reduce risks.
✔ Maintain a good claims history and review policies annually.
✔ Work with Meyer & Cook to find customized, cost-effective solutions. 

Your insurance should grow with your business. We recommend reviewing your policies annually or when making major changes, such as expanding locations, hiring more employees, or offering new services. 

Getting started is easy! Contact our team at (916) 776-1751, email us at bmc@meyerandcook.com, or click here to schedule a free consultation.

Small business insurance protects your company from financial losses due to property damage, liability claims, employee injuries, and operational risks. It helps ensure your business remains stable and operational in case of unexpected events. 

Any business with employees, physical assets, customers, or operational risks should have small business insurance. We provide coverage for:
✔ Independent Contractors & Freelancers
✔ Retail Stores & Boutiques
✔ Restaurants & Food Service Businesses
✔ Local Service Providers (Salons, Auto Repair Shops, Cleaning Services)
✔ Small Healthcare Practices (Dentists, Chiropractors, Therapists)
✔ Real Estate Agents & Property Managers 

✔ Small business insurance is designed for local businesses, startups, and entrepreneurs with simpler coverage needs.
✔ Commercial insurance is for larger businesses with multiple locations, high revenue, and more complex risks. 

We offer a range of policies, including:
✔ Business Owners Policy (BOP) – Bundled property and liability coverage for small businesses.
✔ General Liability Insurance – Covers lawsuits, customer injuries, and property damage.
✔ Commercial Property Insurance – Protects your office, storefront, and inventory.
✔ Workers’ Compensation – Covers workplace injuries and medical costs for employees.
✔ Cyber Liability Insurance – Protects businesses that handle customer data or online transactions.
✔ Professional Liability (Errors & Omissions) – Covers businesses that provide professional services or advice. 

 Some types of small business insurance may be legally required, such as:
✔ Workers' Compensation – Required for businesses with employees.
✔ Commercial Auto Insurance – Required for company-owned vehicles.
✔ General Liability Insurance – May be required by landlords or clients. 

The cost varies based on business size, industry, number of employees, and coverage needs. Our agents will work with you to find the best policy at a competitive price. 

✔ Bundle multiple policies (e.g., BOP, liability, and property).
✔ Implement safety measures to reduce workplace risks.
✔ Maintain a claims-free history and review coverage annually.
✔ Work with Meyer & Cook to customize a cost-effective insurance plan. 

Yes, home-based businesses are not always covered under homeowners’ insurance. A home business insurance policy can provide protection for business equipment, liability, and lost income. 

Your insurance should evolve with your business. We recommend reviewing your policy annually or when expanding, hiring employees, or offering new services. 

Getting started is easy! Contact our team at (916) 776-1751, email us at bmc@meyerandcook.com, or click here to schedule a free consultation.

Personal insurance protects individuals and families from financial loss due to accidents, natural disasters, theft, or liability claims. It provides coverage for your home, car, health, and life to ensure your financial security in unexpected situations. 

We offer a variety of personal insurance solutions, including:
✔ Auto Insurance – Covers vehicle damage, liability, and medical expenses.
✔ Homeowners Insurance – Protects your home, belongings, and personal liability.
✔ Renters Insurance – Covers personal property and liability for tenants.
✔ Life Insurance – Provides financial support for loved ones after a loss.
✔ Health Insurance – Ensures access to medical care and financial protection from high medical costs.
✔ Umbrella Insurance – Extra liability coverage beyond home and auto policies. 

✔ Auto insurance is legally required in California to drive.
✔ Home insurance is usually required by mortgage lenders.
✔ Health insurance may be required under certain state laws.
✔ Life and renters insurance are optional but highly recommended. 

✔ Homeowners Insurance covers the structure of your home, personal belongings, and liability.
✔ Renters Insurance protects personal belongings and liability but does not cover the building itself. 

The amount of coverage depends on factors like home value, vehicle type, personal assets, and family needs. Our team helps you find the right balance of affordable premiums and comprehensive protection. 

The cost depends on coverage limits, deductible amounts, and risk factors such as:
✔ Location (fire risk, crime rates, weather conditions)
✔ Driving history (for auto insurance)
✔ Age and health status (for life and health insurance) 

✔ Bundle multiple policies (home and auto) for discounts.
✔ Maintain a good credit score and clean driving record.
✔ Choose higher deductibles to lower monthly premiums.
✔ Install safety features (home security, anti-theft devices). 

Umbrella insurance provides extra liability coverage beyond standard home, auto, or renters policies. It protects your assets if you're sued for damages beyond your existing coverage limits. 

 ✔ Contact Meyer & Cook at (916) 776-1751 or email bmc@meyerandcook.com.
✔ Provide details about the incident, including photos if applicable.
✔ Work with our team to complete the claims process efficiently. 

*DO NOT INCLUDE PERSONAL INFORMATION SUCH AS SOCIAL SECURITY NUMBERS VIA EMAIL

Getting started is easy! Contact our team at (916) 776-1751, email us at bmc@meyerandcook.com, or click here to schedule a free consultation.