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. 

Three auto insurance discounts you should take advantage of

At Commercial One Insurance Service, we’re here to help our clients in Burlingame, CA meet their insurance needs. Many motorists can take advantage of specific discounts on auto insurance to bring down their premiums.

The following are three auto insurance discounts that you might want to take advantage of. 

Defensive driving class discount 

  • You can reduce your auto insurance premiums by taking certain classes. In particular, you can take a defensive driving class through your state’s DMV or another organization.
  • Your insurance provider will then give you a discount because you will be able to drive more safely and learn to avoid situations where accidents become more likely. 
  • Not only can a defensive driving course lower your insurance premiums, but it can also boost your confidence and comfort out on the roads. 

Discount for the installation of anti-theft devices

If you invest in having certain anti-theft devices installed on your vehicle, you could qualify for specific discounts through your insurance company. This type of discount is possible if you have comprehensive insurance coverage that covers you for theft as well as collision damage. 

Some of the anti-theft devices that you can consider installing include passive disabling systems or hood-locks. 

Paperless billing discount

Many insurance companies prefer if you view your billing statement online rather than having a paper copy sent to you. This results in less effort and expense for your insurance provider. 

For this reason, a lot of auto insurance providers will offer you a discount if you agree to paperless billing. This saves you money and is better for the environment!

If you want to learn more about your auto insurance options in Burlingame, CA, let us know. We’re here to answer all your questions on the auto insurance policies we offer at Commercial One Insurance Service

The Unique Insurance Needs of Warehouses

Storing and moving your products safely from point to point is the most critical part of your business. Commercial One Insurance Service serves the unique needs of our local Burlingame, CA warehouse operations. We’re here to shine a light on the importance of liability insurance for this critical and often time-sensitive industry.

You’re legally culpable for damages. Warehouse businesses are considered bailees under California law. This means that you are held responsible for damages to products and cargo under your care. Without appropriate insurance, your business will pay out of pocket for damages and losses.

Insurance gives your clients peace of mind. When people choose your business for their warehousing needs, they are trusting you with their property. Having a solid legal liability policy tells your clients that you take this responsibility seriously. The robustness of your insurance policy could be what seals the deal with prospective clients.

Insurance protects your business when things go wrong. Even the most conscientious operation can run into problems. Warehouse liability insurance protects you from financial losses due to accidental damage of property, physical loss, or damages that can occur during storage, packaging, or anything else you do in the operation of your business. If you handle the logistics of moving products as well, consider logistics insurance to go alongside your warehouse policy. 

Your needs are unique. Find an agency that’s willing to work with you to find the right fit. Commercial One Insurance Service is here to help with your warehouse and logistics insurance needs. If your business is in the Burlingame, CA area, contact us today by phone, stopping by our office, or use our free, zero-obligation quote tool to see how we can find the insurance that’s right for you.