I don’t own a car; do I need auto insurance?

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At Commercial One Insurance Service in Burlingame, CA, we understand the importance of ensuring that every vehicle on the road is operated by an insured driver. Plus, in the state of California, that’s the law. We have served many clients who had the unfortunate experience of being in an accident with someone without insurance and the headaches it caused.

We have also heard stories from individuals who were operating a vehicle without adequate coverage to pay for others’ vehicle damage and bodily injuries, and the hardships that came with it. Some of these individuals didn’t have insurance because they didn’t own a car themselves and saw no need for auto coverage. However, if you are operating a borrowed vehicle, you should consider carrying insurance to protect yourself financially in case of an accident.

Non-Owner Policy

If you don’t own a car, you can still benefit from a non-owner auto insurance policy. This type of policy provides liability coverage no matter what vehicle you operate, whether you borrow a vehicle from a family member, friend, or rent a car. Additionally, this type of policy can be useful if you need to file an SR-22 form with the state due to certain past traffic violations.

A non-owner policy will not cover the car you are operating, but follows you and protects you against liability for damages to someone else’s car or bodily injuries if you are responsible for the accident.

We Are Just a Phone Call Away!

If you don’t own a car, you are not required to have auto insurance. However, if you operate a vehicle on the roadway, regardless of ownership, it’s best to protect yourself financially with a non-owner policy. To learn more about auto insurance and non-owner options, we are just a phone call away. Contact us at Commercial One Insurance Service in Burlingame, CA, at (650) 652-9988.

Insurance Coverage for Warehouse Storage and Transport Needs

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Warehouse and logistics insurance is crucial for safeguarding your assets during storage and transportation. By reviewing your business operations plans and identifying potential risks, you can choose coverage that effectively safeguards your business essentials.

Protecting Stored Inventory

Storing inventory in your warehouse ensures timely order fulfillment, but are you prepared for catastrophic events that could compromise your inventory? If your current warehouse insurance coverage is insufficient, consider increasing your protection to mitigate risks.

Warehouse insurance can protect overstock from natural disasters and criminal activity. If insured items are damaged or destroyed, your policy can cover repair and replacement costs. Before deciding on coverage, assess risk factors such as the type of storage setup you use and whether it exposes inventory to adverse weather conditions or criminal acts.

Safeguarding Items in Transit

Transporting items to clients introduces separate risks. Logistics insurance covers packages in transit, providing protection against damage, loss, or theft during transit. This type of coverage ensures that the value of your shipments is adequately protected.

To determine the appropriate coverage amount, inspect your inventory and review the volume of shipments you handle. Ensuring your policy aligns with the value of the items you ship is crucial for comprehensive protection.

Get Expert Answers to Your Insurance Questions

If you have questions about warehouse and logistics insurance, our team at Commercial One Insurance Service is here to help. Contact one of our agents serving Burlingame, CA, for personalized assistance and guidance tailored to your business needs.

Does a Company Car Call for Auto Insurance or Commercial Insurance?

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So your business requires a bit of travel. Maybe you do deliveries, need to bring employees to a job site, or you want to visit your clients or suppliers. You got a car specifically for that. Maybe you even decked it out in decals to advertise your business. If you take it on the road, you will need to get it insured. Because you only use this vehicle for business purposes, you may wonder if commercial insurance or auto insurance is the way to go. The answer is a little bit of both. You need commercial auto insurance.

Commercial Auto Insurance in California

If you or an employee are involved in an accident while driving for work-related purposes, commercial insurance is handy for protecting your financial assets. It’s very necessary if your business leases or owns vehicles of any kind. While commercial auto insurance may be a bit pricier compared to personal auto insurance, keep in mind that it tends to deliver much higher coverage limits. The policy limit could be as much as $500,000 up to as much as one million. Personal auto insurance is fine for commuting, but commercial auto insurance is the way to go if the vehicle is titled in a company’s name.

Contact Commercial One Insurance Service in Burlingame

If you are in the Burlingame, CA area and are in need of commercial insurance, please get in touch with Commercial One Insurance Service. Every policy is different, so you need an insurance agent to help you determine what would best suit your situation. Our helpful and courteous agents are ready to assist you.

Why Get Home Insurance from an Independent Insurance Agent?

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Home insurance plays a crucial role in rebuilding when a covered event occurs. Securing the right home insurance policy can help protect you and your family from the financial devastation that can arise from unexpectedly losing your home during certain disasters.

The Commercial One Insurance Service professionals, serving Burlingame, CA, can assist. We provide home insurance for homeowners and can help you, too. As independent insurance agents, we offer the best customer service to help clients like you find the right policy for their needs.

What Is An Independent Insurance Agent?

An independent insurance agent collaborates with multiple insurance carriers to help customers find the right policy for them. Captive insurance agents work with only one carrier, so they’re limited in the type of insurance products they can sell.

What Are the Benefits of Independent Insurance Agents?

Independent insurance agents offer numerous benefits, including:

  • An independent insurance agent can help you shop around for your insurance policy. When you’re working with an independent insurance agent, there’s no need to shop around for the right insurance policy for your needs.
  • An independent insurance agent is loyal to you, not the insurance company. Independent insurance agents can act with their customers’ best interests at heart, because they’re not loyal to one company that may or may not have the best products for their clients’ needs.

Need Home Insurance? Call Today

If you need home insurance, get help from a professional. The residents of Burlingame, CA, turn to Commercial One Insurance Service. We serve Burlingame. We can help you find an insurance policy that fits your budget and provides the coverage you need for your home. Call today.

Understanding Auto Insurance in Burlingame, CA: What You Need to Know

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Ensuring Your Auto Insurance Meets Your Needs

As you drive around Burlingame, CA, and throughout the San Francisco area, knowing that your auto insurance is up to the task is crucial. Various incidents can occur, and our agents at Commercial One Insurance Service are here to assist you.

Why Coverage Matters

You might think that the state’s minimum requirements are sufficient. In some cases, they are. However, you should ensure you have coverage against anything that could happen. Explore all the coverage options:

  • Liability
  • Collision
  • Comprehensive
  • Uninsured

It’s not just about the coverage, either. It’s about the amount of coverage so you can minimize your out-of-pocket expenses when you file a claim.

Pricing Your Policy

Your policy’s cost can vary significantly from that of others in California based on various factors. The vehicle you drive, the accidents and speeding tickets you’ve had, and more will impact the insurance cost.

Whether your driving history is clean or not, working with an insurance agent is helpful. We can ensure that every aspect of your insurance premium quotes is understood. We can also provide tips to help you save money. Our goal is to get you as many discounts as possible so you can have the insurance policy you need at an affordable price.

Get Help with Your Auto Insurance Today

At Commercial One Insurance Service, we’re here to help you find auto insurance you can depend on. We’ll help you explore the different costs, including the deductible that’s right for you. Then, we’ll get quotes to ensure you get the best premium price.

Contact us when you’re ready to start exploring an auto policy in Burlingame, CA. Our agents are standing by to help.

Transportation is a Fast-Paced World: Warehouse and Logistics Insurance can Help You Keep Up

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Regardless of size or revenue, all warehouse and logistics businesses face risks. The real question is how much your company stands to lose. This is where businesses, big or small, are more alike than different, as no business owner wants to calculate those costs. That’s why many business owners in and around Burlingame, CA, trust the professional team at Commercial One Insurance Service for their warehouse and logistics insurance solutions.

Keeping Pace with the Fast-Paced World of Transportation with Warehouse and Logistics Insurance

Ensured safety is a full-time job no matter the volume of products your company warehouses or moves. The right warehouse and logistics insurance solutions can help. That’s why companies in the logistics and warehousing industry rely on the experienced team at Commercial One Insurance Service to meet their insurance needs.

Insurance Solutions for Business Owners in Burlingame, CA

If you own a business in or around Burlingame, CA, and would like to learn more about the benefits of commercial insurance, or if you need insurance for your company, we can help. The world of warehousing and transportation is fast-paced, and protecting your business is a key strategy for success. Contact us to learn more and schedule an appointment with our friendly and knowledgeable team at Commercial One Insurance Service for the protection your business needs and deserves today.

How Worker’s Comp Insurance Protects Both Your Business and Your Employees

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Worker’s compensation insurance, often referred to as worker’s comp, is a crucial type of insurance coverage for your business. You need to have this coverage if you have any number of employees. It not only protects your business but also safeguards your employees. Maintaining this coverage is essential to ensure you always have the protection you need. When you need a worker’s compensation policy, call us at Commercial One Insurance Service in Burlingame, CA.

Protecting Your Business

When you have worker’s comp insurance, it offers vital protection for your business. When an employee has an accident or contracts a work-related illness, all of the subsequent bills are typically the responsibility of the business. However, if you have this liability coverage, the policy covers costs like lost wages, ongoing therapy, medical bills, and legal bills. These can be substantial, even if the accident wasn’t that serious. Without this coverage, the money would all have to come from your business, potentially causing financial stress.

Protecting Your Employees

Having worker’s comp in place also offers protection to your employees. If they have a serious accident that the business would have trouble paying for, the money for those bills will still be there for them through the policy. This protects them in case they have any accidents or health problems that would run up large bills. This is an important way to protect employees and ensure they will be taken care of if there’s a problem at work.

Get Worker’s Comp Insurance in California

If your business doesn’t have worker’s compensation insurance, it’s time to get it. Don’t leave your business and your employees vulnerable in case of an accident. Call us at Commercial One Insurance Service in Burlingame, CA, to get started.

Post-Disaster Rebuilding Insurance: Ensuring Faster Recovery After Natural Calamities

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Natural disasters around Burlingame, CA are notorious for devastating homes and displacing families, leaving homeowners grappling with significant financial and emotional challenges. Post-disaster rebuilding insurance is essential in helping homeowners recover quickly and efficiently, providing the financial resources needed to restore their homes and lives after a calamity.

Coverage Tailored to Rebuilding

Post-disaster rebuilding insurance for homeowners focuses on the costs of repairing or reconstructing damaged properties. Beyond basic dwelling coverage, these policies often include provisions for debris removal, temporary housing, and compliance with updated building codes. This type of coverage can make the difference between prolonged displacement and timely recovery for those in high-risk areas prone to hurricanes, floods, or wildfires.

Many rebuilding insurance policies also offer extended replacement cost coverage, which accounts for spikes in material and labor costs often seen after widespread disasters. This ensures homeowners can fully rebuild, even when market conditions drive up expenses unexpectedly.

Faster Claims and Rebuilding Support

Timely access to funds is critical for homeowners after a disaster. Post-disaster rebuilding insurance emphasizes expedited claims processing to help policyholders begin repairs without delay. Many insurers provide access to preferred contractors and rebuilding specialists, streamlining the reconstruction process and ensuring high-quality results.

Some policies also include living expense coverage, helping displaced families secure temporary housing and maintain their standard of living while their homes are being restored.

Rebuilding for Resilience

Post-disaster rebuilding insurance supports recovery and promotes resilience. Policies often encourage or require rebuilding with disaster-resistant materials and techniques, reducing the likelihood of future damage.

Commercial One Insurance Service Offers Insurance Policies for Your Needs

Commercial One Insurance Service underwrites policies to meet customers’ needs. We serve Burlingame, CA, and the surrounding cities. Contact us today.

Four reasons it is important to review your auto insurance annually

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At Commercial One Insurance Service of Burlingame, CA, we often get asked how often drivers should have their auto insurance reviewed.

We believe there are compelling reasons to have your auto insurance policy revised yearly, including obtaining a price quote.

1. It Helps Assure Accuracy

When you have an auto insurance review each year, you are more likely to catch any errors or omissions. These can include name or address changes, additions or deletions to licensed drivers living in the household, and correct any omissions in coverage. It also helps keep an insured connected with their coverage.

2. You Can Add, Update, or Delete Coverage

When you review your car insurance each year, you can adjust your coverage based on current needs. This could include reducing collision coverage on an older car, minimizing deductibles, or adding uninsured motorist coverage.

3. You May Benefit from Additional Discounts

When you auto-renew your car insurance each year, you may miss out on valuable discounts you may now qualify for. These could include safe driver discounts, good student discounts, and loyalty discounts.

4. Verifying Rates are Competitive

The only way to assure you are not overpaying is by comparing. Rates can change as a company’s claims experience changes. You may benefit from these changes through lower premiums for drivers that fit your circumstances. We can help!

Get Your Review and Price Quote Today

If you live in Burlingame, CA, we encourage you to contact us at Commercial One Insurance Service today. We can review your policy regardless of the issuing insurer. We can quickly answer your questions, verify your coverage, and provide a price quote.

There are reasons to get an automobile insurance review annually. Contact us for assistance.

Do Freight Brokers Need Cargo Insurance?

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Freight brokers are a bridge between people who need to ship goods and those who actually ship them. Because these brokers don’t handle the freight, some may falsely assume they don’t need insurance protection. However, because these professionals handle steps such as doing paperwork, negotiating rates, and managing logistics, insurance protection is critical.

The Federal Motor Carrier Safety Administration doesn’t require cargo insurance, but that doesn’t mean that it should be left off a checklist for anyone involved in the movement of goods through the logistics process. Many shippers require cargo insurance before they enter into a contract for transporting goods. At Commercial One Insurance Service, we understand the importance of insurance and can discuss your needs with you.

Why Would Freight Brokers Need Cargo Insurance?

Even though freight brokers don’t touch cargo directly, they act as intermediaries. If cargo goes missing due to theft or damage, the freight broker could be named in a lawsuit. Knowing that the replacement value of the cargo is covered by insurance can help in this situation.

Another good reason for freight brokers to have cargo insurance is that it can set them apart from those who don’t have this coverage. Some shippers may consider cargo insurance to be confirmation that the broker fully understands the importance of protecting the goods. This may go a long way in shoring up their reputation in the industry, which can lead to an increase in repeat business.

Logistics insurance is one of the primary ways freight brokers and others can protect their interests. Contact us at Commercial One Insurance Service to learn more about this coverage and get a quote to protect your Burlingame, CA, business.