Commercial insurance FAQs

Being a business owner comes with many risks. Not every business has the same risks, but generally speaking, there are some that are pretty universal. Having an independent agent who understands the particular risks that are unique to your business is important when it comes to customizing your commercial insurance policy. In Burlingame, CA, Commercial One Insurance Service has a team of experts who will work with you to make sure that as many of your risks are mitigated as possible. 

Does commercial insurance cover flooding?

If a pipe breaks and floods your business, this is covered. If the river rises, heavy rain floods storm drains, or any other type of surface water, no, it is not covered. You can, however, purchase a separate commercial flood insurance policy to protect your business. 

Will commercial insurance protect me if I get sued?

If you have commercial liability insurance, it will. Liability protection pays for a judgment against you up to the limit of your policy. It will also help with legal expenses you may incur as part of the suit. 

Why do I need commercial property insurance if I don’t own the building my business is in?

Property insurance covers a lot more than just the building. It will help repair or replace machinery you use in your business, office equipment, raw materials, and inventory. It is valuable coverage for renters as well as building owners. You can’t do business without the things you need to produce your products. 

Does business interruption cover all interruptions?

Like every other type of insurance, business interruption insurance has exclusions. Before deciding to add this insurance to your policy, read the exclusions and the coverage to make sure it fits with your particular business risks. 

Contact Commercial One Insurance Service in Burlingame, CA when you are ready to discuss your commercial insurance needs.

Why Home Insurance Matters

How much do you think it costs to insure your home? While it’s not free, it’s not as expensive as you think. With home insurance, you spend today, but it saves you loads of losses when perils strike. If you have been having second thoughts about home insurance, here are reasons you should buy this coverage, according to the Commercial One Insurance Service of Burlingame, CA.

Home insurance protects your dwelling

For most people, a home is one of the most expensive assets to own. As a result, your home is the last thing you want to be taken away from you. Luckily, with homeowner’s insurance, you have an investment to protect what you love.

While home insurance won’t prevent perils like fire, theft, and so on from striking, it ensures that your financial burden is manageable when such perils strike.

Home insurance compensates you when you lose personal assets

Your assets are what make your house become a home. Otherwise, it would be an empty shell. Home insurance protects your home contents, including furniture, clothing, electronics, and valuables like jewelry.

If you want to get the best put of your personal contents coverage, take an inventory count of your assets to ensure all your belongings are covered when filing a claim.

Home insurance provides liability protection

Besides protecting your assets, home insurance shields you against liabilities. While you may be careful not to cause accidents to neighbors, your family members may not be. As a result, you may be accused of bodily injury and property damage that may be expensive to sort. Thankfully, when liability claims strike, you have home insurance to turn to.

Buy home insurance today!

Are you looking for affordable coverage in Burlingame, CA? Don’t hesitate to get in touch with Commercial One Insurance Service for a competitive quote. Here, we understand that homeowner’s needs differ. As such, we provide different home insurance coverages to answer the needs of various homeowners.

What’s the Difference Between Car and Motorcycle Insurance?

Car insurance and motorcycle insurance serve the same purpose: protecting the Burlingame, CA owner should they be involved in an accident or theft. However, there are some significant differences between the two types of coverages. Knowing the differences can help in ensuring there is enough coverage based on the type of vehicle. 

Check out the main differences between car and motorcycle insurance, then call us at Commercial One Insurance Service for any questions about these types of policies. 

Coverage Cost

Motorcycle insurance coverage costs significantly more than general auto insurance. Motorcycle insurance costs more because the likelihood of an accident and injuries is five to nine times greater with a motorcycle.

Passenger Coverage

A general auto insurance policy automatically covers passengers in a car. However, since motorcycles are designed only to carry one passenger, motorcyclists must purchase a second policy to protect passengers. It may also be necessary to buy separate medical coverage for injuries associated with a motorcycle accident, regardless of who is at fault. 

Amount of Use

There Is a more significant risk associated with an auto insurance policy based on the amount the vehicle is used. Cars are generally used all year long, while motorcycles are usually only used during the spring, summer, and fall. Therefore, driving less may allow motorcyclists to purchase a less expensive plan if their riding habits are only seasonal. 

No-Fault Insurance

General auto insurance policies cover damage to the vehicle, as well as any injuries resulting from an accident (regardless of fault.) However, motorcyclists are exempt from the no-fault insurance policy, which means their insurance coverage does not include personal injury for the driver or passenger. 

Whether you drive a car or a motorcycle in Burlingame, CA, there is an insurance policy available to help ensure you are fully protected. Call our Commercial One Insurance Service agents for information about our insurance policies for both cars and motorcycles. 

What is included with warehouse & logistics insurance?

The warehouse & logistics industry is an important one as it is responsible for ensuring that the products people need and rely on are accessible in all parts of the country. Due to the demand for this industry, there are many opportunities to be successful if you operate in the Burlingame, CA area. If you are going to own a warehouse & logistics business in this area, you need to get proper insurance. A warehouse & logistics insurance plan includes several forms of coverage. 

Property Damage Protection

If you are in the warehouse & logistics industry, you are going to own or lease some major assets and equipment that are needed to operate efficiently. Losing these assets to damage or theft can be a major setback. If you have the right insurance, you will have coverage that can help you replace these assets and ensure your business stays on track.

Liability Support

You should also consider getting a warehouse & logistics plan for liability protection. Those that are in this industry will take on liability risk in a variety of ways. This can include being liable for accidents that occur due to negligence or even lost or damaged cargo liability. If you invest in a full warehouse & logistics insurance plan, you will have the coverage needed to offset this concern. 

A warehouse & logistics insurance plan is needed for businesses in the industry. If you operate in this field and are in the Burlingame, CA area, you should speak with Commercial One Insurance Service to discuss your needs. There are a lot of choices to be made when looking for this coverage and Commercial One Insurance Service can help you assess your needs. This guidance can help ensure you pick an ideal plan for your situation. 

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.