How Does California Commercial Insurance Protect Small Businesses?

Because small businesses operate on a tight budget, it’s easy for them to forgo commercial insurance options not required by the law. Regrettably, trying to make a saving by shelving insurance could cost your business much more than the premiums would. If you are a business owner in Burlingame, CA, or any other part of America, listen carefully as Commercial One Insurance Service shares insights on how commercial insurance protects your business. 

Protects your employees

Although most businesses advocate for a safe working environment, work-related injuries can’t be prevented 100 percent. Given this reality, you need to purchase workers’ comp insurance to protect your most prized asset — your employees. This insurance coverage pays for employees’ medical costs, including ongoing physiotherapies for illnesses and injuries sustained in the workplace. Additionally, this coverage covers partial loss of income and final expenses for your employees. 

Protects your assets

Commercial property insurance protects your building and other assets like inventories, furniture, and electronics from damage or loss. While this insurance is popular with brick and mortar businesses, online businesses still need this coverage as they have physical assets that need protection from perils like fire, theft, and so forth. While commercial insurance doesn’t prevent damage or loss from occurring, it ensures that you don’t start from scratch when disaster strikes. 

Covers you against liabilities

Commercial insurance protects your business against claims arising from bodily injury, advertising injury, and property damage. Besides, general liability insurance covers potential lawsuits facing your business. 

Ultimately, commercial insurance saves your business from financial losses that could arise from liability claims, damaged assets, injured employees, and loss of income due to business disruptions. Instead of rolling the dice and hope nothing will happen to your business, it’s wise to be sure with commercial insurance. 

Buy commercial insurance today

Whether your business is big or small, you need commercial insurance to thrive in the uncertain business environment. If you are searching for business insurance in Burlingame, CA, please contact Commercial One Insurance Service for a competitive quote.

4 Things Covered By Home Insurance

Homeowners in California are faced with a wide array of perils. Ranging from theft, wildfires, vandalism, lightning, to windstorms, many threats can damage your hard-earned asset. The good news is that you can be at ease when you purchase home insurance from Commercial One Insurance Service for your Burlingame, CA home. This way, you will enjoy the below benefits.

Liability protection

Whether you reverse into your neighbor’s wall, someone gets injured on your premises, or your dog bites someone, you can rely on your home insurance liability coverage to cover the medical costs and any legal claims that might arise. 

Structure protection

When fire, windstorms, smoke, or any other covered peril damages your home, your home insurance’s dwelling coverage should pay for the repairs or cost of replacement up to your policy limit. The policy can also cover damage to detached structures like the swimming pool and the garage.

Contents coverage

Home insurance doesn’t protect the structure only. It also covers the contents inside your house. When your electronics, furniture, and clothing are stolen or damaged by fire or smoke, home insurance should pay for the replacement.

Additional living expenses (ALE) coverage

Suppose your home is destroyed by fire or hail and is undergoing repairs. In such instances, your home becomes inhabitable, and you have to seek a temporal shelter. When you have an ALE add-on to your home insurance, it pays for hotel meals and accommodation expenses while your home is being repaired.

Pro-tip: While home insurance protects you from many perils, it may not protect you from floods and earthquake damage. As a result, it’s pivotal to double-check with your agent for separate covers if your home is in an earthquake or a flood-risk area. 

Home insurance in Burlingame, CA

When looking for home insurance, you need a partner that has your interests in their heart. If you are in Burlingame, CA, and the surrounding areas, you can trust Commercial One Insurance Service for all your home insurance solutions. Contact us today, and we shall help you protect your home.

Auto Insurance Information in CA

Suppose you have just moved to Burlingame, CA, and you’re looking for auto insurance to meet the state requirements. In that case, it is important to contact Commercial One Insurance Service, which is one of the leading insurance agencies in this region. Besides contacting a leading insurance company, it is necessary that you have a comprehensive understanding of the minimum car insurance coverage in California. 

Bodily Injury Liability

In California, the law requires all auto owners to carry bodily injury liability sufficient to cover $15,000 for every injured person. However, you can have a minimum cover of $30,000 to cover for two or more injured persons. It is also essential to highlight that the $30,000 will be the minimum requirement for any auto accident you are likely to be involved in. 

Property Damage Liability

Besides the bodily injury liability coverage, insurance laws in California require every person driving on the roads to have property damage liability for the possible damages to the properties through an accident. In this category, every motorist is required to have property damage liability coverage of not less than $5,000. 

Uninsured Motorist Coverage

The laws covering insurance policies for vehicles in California also provide for the necessary coverage of uninsured motorists and property damages. The requirements state that the coverage must be $15,000 per person for the uninsured motorist while uninsured property damages of not less than $3,000. 

Are You Looking for Auto Insurance in California?

As a new resident in Burlingame, CA, you might not have a comprehensive understanding of the complex auto insurance policies in this state. It will be necessary if you can work with one of the leading auto insurance agencies in California, Commercial One Insurance Service, for an auto insurance policy. Working with a company that is familiar with California insurance laws will eliminate the possible complexities that you’re likely to experience. 

An Overview Of Warehouse & Logistics Liability Insurance

Commercial One Insurance Service offers coverage to the Burlingame, CA community, as well as the surrounding areas. We offer our clients a wide variety of insurance policies. We can help you find a custom policy designed to meet your individual needs.

An Overview of Warehouse & Logistics Liability Insurance

If you own a Burlingame, CA business in the warehouse, cargo, and logistics industry, having an insurance policy in place is important. Warehouse & Logistics insurance helps you manage different risks regarding your business. As you are responsible for storing other people’s possessions, the policy will cover you if there are any issues packaging, storing, labeling, or shipping the goods. You will be covered if you are unable to transport the goods safely and securely.

Liability coverage is a big part of your policy. It is essential that you protect your inventory. However, accidents can happen at any moment. Liability coverage protects you if you accidentally damage the goods while handling them or if they are damaged due to a fire or another type of disaster. You are also covered if one of your employees accidentally damages the goods. Perhaps, one of your employees hits an object causing the goods on the truck to fall over. Perhaps one of your forklift drivers drops some of the goods and damages them. Warehouse & logistics liability coverage offers a safety net during worst-case scenarios. Make sure that you constantly inspect the workplace environment to try to prevent any issues in the future.

Commercial One Insurance Service Will Help You Protect Your Investment

Visit our website to learn more information about Warehouse & Logistics insurance.

How commercial insurance protects my small business

When you own a small business, the stress level can be very high.  Risks are everywhere. Commercial insurance gives you a safety net against some of the worst things that can go wrong. But getting commercial insurance right isn’t easy, it is components that fit together to create the perfect policy. Having an independent insurance agent who knows you and your needs is vital. At Commercial One Insurance Service in Burlingame, CA, we make it our business to know our clients and work with and for them. 

Help to get you back up and running

Your commercial property insurance can be the difference between being able to rebuild and get back to work in a reasonable amount of time and not being able to afford to stay in business. When something like a fire, theft, or major storm occurs, you could lose your machinery, office equipment, and inventory. Getting the money to replace these can make all the difference when it comes to staying in business. If you own the building it would also cover those repairs but even if you rent it’s important to carry this insurance. 

Keeps you legal

In the state of California, if you have any employees you must have workers’ compensation either through private insurance or through the state’s insurance fund. 

Pays the bills

When a covered peril hits your business, commercial business interruption insurance makes sure you can keep your business current until you can open up again. It pays the bills, covers payroll, and can even provide income for the owners. This can be a lifesaver when tragedy strikes. 

Protects your assets

A commercial liability policy protects your assets from lawsuits. It can also help with the legal fees that result from action against you.  

In Burlingame, CA contact Commercial One Insurance Service for all your insurance needs. 

How can home insurance in California protect me?

In the Burlingame, CA area there continues to be many different benefits that come with owning a home. Those that choose to purchase their next property and residence will want to ensure that they properly insure it. A full home insurance policy in this area of California can protect you in a variety of different ways. 

Insurance Will Give Liability Protection

One way that you can be protected with home insurance is by receiving liability protection. All people have personal liability risks that need to be assessed and mitigated as well as possible. When you are looking for a home insurance policy, you will find that it includes some liability insurance to offset your risks. This coverage can protect you in a variety of different situations that could result in a liability claim.

Insurance Covers Your Assets

You should also get a home insurance policy because it can protect your assets. A home insurance policy will give you the coverage that is needed to repair your home if it is damaged by fire, bad weather storms, vandalism, or other risks. Additionally, you can receive coverage to repair or replace your personal assets, up to the policy limits. Due to the value of this coverage, any mortgage lender will require that you carry home insurance at all times. 

Property owners in the Burlingame, CA area need to make sure that they continue to protect their homes as well as possible. A great way to do this is by getting home insurance. When you are looking for your next home insurance policy, you should speak with the team at Commercial One Insurance Service. If you do call Commercial One Insurance Service you can get the support that is needed to fully understand your insurance options. 

What type of auto insurance coverage should I get?

If you are in the Burlingame, CA area, owning a car is going to practically be a necessity. If you are a vehicle owner in this area of the state, it will be a valuable asset that you will want to properly protect at all times. A great way to do this is by getting an auto insurance policy. There are several factors to think about when you are trying to determine what type of auto insurance to get.

Legal Requirements

One factor that you should think about when trying to pick a new auto insurance policy is what the legal requirements are. In California, all people that drive a car are going to be required by law to carry liability insurance. If you do not have this coverage, you could face penalization and will also have to come out of pocket to cover any damages that are caused in an accident. 

Coverage for Vehicle

While it is very important that you get the liability auto insurance that you need to stay in compliance with state law, you also need to ensure that you get the coverage needed to repair or replace your vehicle if necessary. If you have a car that costs a lot of money or have taken out a car loan, you should get a full policy that also has collision and comprehensive protection. 

If you are going to get auto insurance when you are in the Burlingame, CA area, you should speak with the team at Commercial One Insurance Service. The insurance team at Commercial One Insurance Service knows what types of auto insurance are available to you. They can then work with you to understand your needs to make sure that you choose a policy that is ideal for your situation. 

How can warehouse and logistics insurance protect my business?

The storage and transportation industry is extremely important. This industry helps to ensure that you are able to receive the products and food you need to thrive. Today, there are many companies in this industry that perform very important services. For those that are in the warehouse and logistics industry in the Burlingame, CA area, having proper insurance in place is very important. A full warehouse and logistics insurance policy could protect your business in several ways. 

Protects For Lost Items

One way that a warehouse and logistics insurance can protect a business is by providing protection for lost or damaged items while they are in your care. A company in the warehouse industry will be handling and organizing a lot of products on a daily basis. If you happen to lose these assets or they are damaged, you could still be held liable for the lost product. The warehouse and logistics insurance policy will protect you in order to mitigate this loss. 

Liability Coverage

When you get warehouse and logistics insurance you can also receive coverage for liability when the products are in transit. No matter what transportation means are, negligence or an accident could lead to damage and loss. With warehouse and logistics insurance, you will also receive protection when you are transporting the assets. 

As you are looking for a warehouse and logistics insurance policy in the Burlingame, CA area, you will want to ensure that you speak with someone that you can trust. When you call the team at Commercial One Insurance Service, you will get the guidance you need to choose the right policy. Commercial One Insurance Service will be able to do this by truly understanding your business and helping you to build a quality policy. 

How to Choose a Commercial Insurance in Burlingame

Owning a business can be exhausting, especially if you’re just getting started. Your life is filled with endless questions, and after the fiftieth one, it would be difficult to remember your own name let alone figure out what kind of commercial insurance policy you need. Before you pick based on prices though or just renew the one you already have, Commercial One Insurance Service has a few tips for how Burlingame, CA residents can get more from their coverage. 

Find Your Objectives 

Some businesses have a small clientele and that’s enough for them. However, most businesses prefer to grow, expanding their horizons, and serving more customers. When you consider your commercial insurance policy, you have to keep in mind that your needs might change. For some companies, it happens over months or even years. For others though, they explode overnight. You need to find a company that can help you adapt to the changing times so that you’re not put at greater liability risk. 

Consider the Realities 

Your business might need to shut down for repairs, you may have a customer get seriously injured on your watch, you might have an employee sue for discrimination: you need to have a policy that can stretch to meet these realities. It’s by no means fun to consider all of the horrible things that might befall your business, but the idea is that you have enough of a cushion in Burlingame, CA to ensure that you don’t have to choose between shuttering forever or staying afloat. 

Commercial One Insurance Service is here to answer your questions and get you caught up to speed. If you have questions about what it really means to protect a commercial enterprise in your city, we’re here to start a dialog. 

Will home owners insurance cover foundation repair?

Homeowner’s insurance creates great peace of mind for many people. A homeowner’s insurance policy covers many things. As a result, This type of policy can benefit many homeowners if and when unexpected events happen that require repair or replacement. Your home’s foundation can even sustain damage that needs repair, replacement, or some other service. However, homeowners insurance may not cover everything that causes damage to your foundation.

What Type of Foundation Damage Does Homeowners Insurance Cover?

Typically, homeowner’s insurance covers damage your foundation if it occurs as a result of an accident. For example, if a tree falls on your home, or someone crashes into your house while driving, damage sustained to the foundation, as a result, will usually be covered by your policy. This type of insurance may also cover damage created by broken pipes or plumbing.

Homeowners Insurance won’t Cover Damage to Your Foundation if…

This insurance won’t cover damage to your foundation if they are a result of neglected maintenance and repairs. This insurance doesn’t cover general foundation repair or the repair of damage created by general soil compaction and expansion. Homeowner’s insurance doesn’t usually cover cracks and leaks either. If you have sustained cracks, sinking, subsiding, and leaks in your foundation as a result of some natural disaster, flood insurance, or some other type of insurance would cover these repairs. Commercial One Insurance Service understands that questions about homeowner’s insurance and foundation repair can get kind of confusing. We’re dedicated to eliminating the confusion for our Burlingame, CA homeowner’s. If you have questions about coverage, give us a call. One of our experienced agents can walk you through what is covered and what isn’t, in addition to answering any other questions you may have.