We know that as business owner you need the security safeguarding all your hard work making sure your business is adequately protected from unexpected events. We understand that one of the most important decisions for you is choosing an insurance coverage that is right at the best competitive cost. We are dedicated to provide you affordable insurance programs for your business. We use our access to multiple insurance companies in California to find you the right coverage at competitive premium. Coverage provided are Business General Liability & Property Insurance, Worker’s Compensation, Business Owners Package (BOP), Commercial Auto and Employee Group Insurance.
Business Insurance Major Coverages Includes:
Business Liability Insurance: any business can be sued. Customers may claim that the business caused them harm as the result of, for example, a defective product, and an error in a service or disregard for another person’s property. Or a claimant may allege that the business created a hazardous environment. Liability insurance pays damages for which the business is found liable, up to the policy limits, as well as attorneys’ fees and other legal defense expenses. It also pays the medical bills of any people injured by, or on the premises of, the business.
Business Property Insurance: compensates a business if the property used in the business is lost or damaged as the result of various types of common perils, such as fire or theft. Property insurance covers not just a building or structure but also what insurers refer to as Personal Property, meaning office furnishings, inventory, raw materials, machinery, computers and other items vital to a business’s operations.
Commercial Auto Insurance: business auto policy provides coverage for autos owned by a business. The insurance pays any costs to third parties resulting from bodily injury or property damage for which the business is legally liable, up to the policy limits
Workers Compensation Insurance: pays for medical care and replaces a portion of lost wages for an employee who is injured in the course of employment, regardless of who was at fault for the injury. When a worker dies as a result of injuries sustained while working, the insurance provides compensation to the employee’s family.
Group Health & Dental Insurance
Business Umbrella Insurance
Business Continuation Insurance
Partners Buy/Sell Agreement Funding
Roxbury Insurance Services provides the following types of business insurance protection: