Retail, Office, & Service Industries

Highlights and Benefits of Our Coverage

Regardless of the industry, we offer Comprehensive Coverage and other additional benefits to ensure you’re fully protected from whatever comes your way.

Comprehensive Coverage

Business Owner Policies: These policies include General Liability, Theft, Property, Business Interruption, and Bailee coverage — all of which are essential, regardless of the industry. If you own a convenience store, grocery store, or even a healthcare practice, Spoilage coverage is an essential add-on to protect perishable items in case of a power outage.

Workers’ Compensation

Workers’ compensation coverage safeguards your employees, providing financial support for work-related injuries or illnesses. It fosters a secure work environment, ensuring employees’ well-being and promoting employer responsibility. California law requires employers to carry workers’ compensation insurance, even if the business only has one employee.

Commercial Auto

Commercial auto coverage is vital, as it shields businesses from financial losses due to accidents involving company vehicles. It protects assets and ensures liability protection. This kind of coverage is essential for any business that uses company vehicles as a part of its daily operations.

Employment Practices Liability Insurance

This coverage is crucial for businesses to shield against costly lawsuits originating from employment and related practices. Employment Practices Liability Insurance protects your reputation, finances, and fosters a fair and compliant workplace. This coverage is beneficial for businesses of any size, regardless of the industry, and is available for inclusion in a package, or as a stand-alone policy.

Cyber Liability & Data Breach Expense Insurance

This coverage is essential in today’s digital landscape, and it protects businesses from financial loss and reputational damage caused by cyber-attacks and data breaches. This coverage protects not only you but the people you serve in your business. Any business that has private medical or financial information should have this coverage, for instance. Also, any businesses that sell products online should opt for this coverage.

Errors & Omissions/Professional Liability Insurance

This coverage shields professionals from financial repercussions due to perceived mistakes or negligence, ensuring business continuity and client trust. This coverage can be included with many types of business owner policies and is available separately if desired. This coverage is beneficial for all businesses to have, but it’s particularly essential for the medical, financial, and professional services industries.

Additional Benefits

In addition to our Comprehensive Coverage, we offer the following benefits:

• Automatic Seasonal Inventory Coverage Limit Increase - This is a great benefit for retail industries that carry a higher volume of inventory during busy seasons
• Up to 12 months of Business Interruption Coverage at Actual Loss Sustained
• Customer Bailee Coverage is available for businesses which take care, custody and/or control over a customer’s property, and covers your business for loss or damage to your customer’s property.
• Animal Bailee Coverage - This is particularly beneficial to veterinary clinics and grooming businesses, providing coverage for animals not owned by your business while those animals are in your care.
• Spoilage Coverage - This coverage is essential for any industry that carries perishable items. If your business gets hit with an unscheduled power outage, you’re covered.

Let us build you a policy that fully protects your business. Contact us for a quote!