Does Logistics Insurance Cover Your Facility?

A large number of Burlingame, CA facilities need logistics insurance to ensure that they are protected. However, this policy type isn’t always appropriate for all businesses. So if you aren’t sure whether or not you need it, please contact us at Commercial One Insurance Service or read on to learn more. 

What Logistics Insurance Covers 

Logistics insurance is an inclusive category that provides many different protection types for you and your company. Just a few coverage options that you are likely to get with these policies include the following choices:

  • Freight forwarder liability 
  • Errors and omissions in shipping 
  • Property and other items 
  • Contingent cargo 
  • Crime coverage for your shipment 
  • Warehouse legal liability 
  • Customer booking 
  • Business interruption caused by logistics problems 

Although logistics insurance will vary based on your state and needs, these policy options should all be available. Most will let you tweak your options to select a detailed and fine-tuned coverage that you can more easily afford. But what kind of companies need this insurance? Many, including:

  • Retailers
  • Shipping experts 
  • Rental fleet professionals 
  • Medical facilities 
  • Trucking companies 
  • Online brokers 
  • Anyone who ships items 

Logistics insurance, in essence, protects all of these businesses by ensuring that their delivery of goods goes as smoothly as possible. Just as importantly, these policies also protect a company by covering any liability that they may incur. For example, if you ship medicines to the wrong facility and somebody is injured as a result, your logistics policy should help protect you from lawsuits and other problems. 

Let Us Help You 

If your facility in Burlingame, CA needs logistics insurance, but you aren’t sure where to turn, you should contact us at Commercial One Insurance Service to get the help that you need. Our experts will find a policy that works for your needs and help you run your company more successful.

Smart Business Starts With Commercial Insurance

If you want to open your own business, there are several key considerations to keep in mind. Smart business requires making smart business choices. You will need a solid business plan in place, strategic marketing strategies, and much more. Here at Commercial One Insurance Service serving the Burlingame, CA area, we like to see all of your business clients succeed. That’s why we have put together three key ways to establish a successful business.

It Starts With Commercial Insurance

First and foremost, you will need commercial insurance to establish a successful company. Commercial insurance increases the legitimacy of your business in the eyes of consumers and makes it seem more professional. This type of insurance also adds valuable protection during instances relating to lawsuits, slander, and employee issues.

Create a Business Plan

All successful businesses begin with a business plan. Your business plan outlines your mission, your goals, your values, and much more. It also states how you plan to achieve your goals, and will include lots of information on how you to plan to approach the marketing mix — product, price, promotion, and placement of what it is that you’re selling.

Use SEO Marketing

Starting a successful company also begins with using SEO marketing. With this type of marketing, you will increase organic traffic to your company’s online website, which means you are attracting people to your site who are already interested in what it is that you are selling.

If you would like to learn more about starting a successful company, please reach out to Commercial One Insurance Service serving the Burlingame, CA area today. We are ready to assist you with all of your commercial insurance needs.

 

How driver assistance features can help prevent accidents

Driverless car technology is not yet ready for the market. However, many vehicles have driver assistance features that can help you avoid accidents and reduce much of the stress out of driving. Commercial One Insurance Service, serving Burlingame, CA would like to explain.

The National Highway Traffic Safety Administration has a list of common driver assistance features you can have included:

  • Braking assistance can include everything from having the car automatically apply the brakes if you are about to rear-end the vehicle in front of you to braking to avoid hitting a pedestrian. Some systems will sound an alarm if a crash is imminent and then kick in if the driver has not taken action.
  • A backup camera is a standard feature in many late-model vehicles. It eliminates the danger of running into something or someone that is behind you that you can’t see by looking in the rear-view mirror or turning your head.
  • Lane assistance features come in two models. One will alert the driver if he or she is starting to drift out of the lane the vehicle currently occupies. Another model will automatically apply the steering wheel, the brakes, the accelerator pedal, or a combination to keep your vehicle in your lane.
  • A blind spot detection system will sound an alarm if you are about to change lanes, and another vehicle is in your blind spot.
  • A 911 notification system will automatically alert emergency responders if it detects a sudden deceleration or an airbag deployment.

If you have any other questions concerning auto safety or insurance, feel free to contact Commercial One Insurance Service, serving Los Angeles and Burlingame, CA.

Let Warehouse and Logistic Insurance Protect Your Reputation with Clients Today

If you have a business in the warehouse industry, maintaining a quality reputation among clients is essential. Entrusting products with your warehouse is only part of your reputation. While accidents can happen in any department, an insurance policy for warehouse and logistics allows protection for the products stored within your facility. Your reputation is also built around how you handle accidents in which your company is liable. Commercial One Insurance Service specializes in such policies for business in and around the Burlingame, CA area and community. 

Damages During Packaging

One of the major areas prone to accidents in a warehouse is the packaging department. Sometimes products being housed for clients in your warehouse may be accidentally damaged by employees within your employment. When packaging a product, employees can potentially damage items accidentally. If so, the Warehouse and Logistic Insurance policy will cover the products damaged during the accident, and allow you to replenish products for your client successfully. 

Damages During Storage

Sometimes the employees are not responsible for damages, but the warehouse equipment is at fault. Faulty forklifts can accidentally damage products. Also, forklift drivers can potentially mishandle the forklift and drop products, ultimately damaging them. From forklift malfunctions to employee fails, liability for these damages are your responsibility as the company. Again, accidents can happen in these situations, but this policy will cover any damages and allow products to be replaced, protecting your liability and your reputation as a company to correct any damages suffered from your clients. 

Choose the Responsible Coverage Plan Today

No company wants to experience mistakes and accidents, but unfortunately, accidents do happen. Your company’s reputation is developed based on your services provided as well as your responsibility. Protect your reputation today with a Warehouse and Logistic coverage policy from Commercial One Insurance Service proudly serving the Burlingame, CA area. 

Do I need commercial insurance if I operate my business from my home?

Working from home has so many advantages, and if you do it, you probably wonder why everybody doesn’t. If your small Burlingame, CA business is located in your home, though, you need to make sure you understand the rules about how to protect it.

At Commercial One Insurance Service, we help small businesses find the coverage they need based on their circumstances. Every policy is tailored to make sure the company’s assets have a level of protection the owner is comfortable with.

Business Property Insurance

Even if you already pay rent or a mortgage, there is special coverage you can get to make sure your business equipment is covered. This will protect your computers, printers, or whatever else you use to run your business.

Liability Insurance

This is often the most important kind of insurance because even a relatively small lawsuit can have a significant impact on your business finances. Liability insurance will protect you from damages to people or property when those damages arise from dealing with your business. For example, a courier could fall while making a delivery, or a client could be injured during a consultation.

Professional Liability

If you are a professional with clients or patients, a professional liability policy could protect you for any alleged acts or omissions you make.

Products Liability

If you designed, manufactured, or even just supplied a product, products liability insurance can protect you from any accidental harm that causes.

Business Automobile Coverage

Even if you already have auto insurance, you may need to add coverage if you use your vehicles for deliveries or picking up clients.

If you need more coverage or want to discuss the options for your California business, call Commercial One Insurance Service in Burlingame, CA today, and we can give you a free quote on a commercial insurance policy.

Is Your Inventory Protected? It May Be Time to Update Your Warehouse and Logistics Insurance

For many companies, their main inventory is in a warehouse waiting to be set to use. This is why additional warehouse and logistics insurance may be a wise choice for your business, whether you have one warehouse or many. At Commercial One Insurance Service we want to help you keep your business’ inventory protected with a full policy. We serve Burlingame, CA and the surrounding areas. 

How This Policy Can Protect Your California Warehouse Inventory

Protection of your stored physical assets in inventory is key in today’s world. Even if you take all the precautions to make sure everything runs smoothly, you cannot predict every possible occurrence from weather extremes to human error, and even malicious intent and crime. But you cannot let what may happen to keep you up at night, you have enough to think about when it comes to running our business effectively. This is where a warehouse and logistics insurance comes in. We can help you recoup your losses in many scenarios from negligence, damage, and even workers comp in some situations. When it comes to storing your inventory and planning the movement of it, we can help you reduce your risks. 

Contact us to Discuss Your Current Insurance Policy to Find Out if Your Business is Fully Covered

Call us at Commercial One Insurance Service to discuss the specific insurance needs of your business. We will help you choose a policy and policy add-ons that are a perfect fit for your company. We serve Burlingame, CA and the surrounding areas with quality insurance services, so call today for your quote to make sure you are protected in the coming year. 

Fast-Changing Title is Becoming More Common, Will Auto Insurance Be as Adaptive?

A new trend in car ownership is beginning to appear more and more in Burlingame, CA and elsewhere in the state. Where the traditional method of car ownership involves a buyer purchasing a car and owning it for a long period, usually a few years to pay off the related financing, now that paradigm is changing. The new approach essentially allows a person to own a car for just as long as needed, even if just a few months. The owner pays for the car while he or she has it, and then the car can be dropped off with title relinquished and no further payments need be made.

This new approach may seem like a lease, but it doesn’t involve the restrictions that come with a lease program. And unlike a lease, you are the owner of the car. Under the new program, the vehicle gets sold back to be quickly repurchased by someone else for the same terms. The entire service is handled via computer or a phone app, and Burlingame, CA is in the heart of this trend being close to Silicon Valley.

Some might wonder if auto insurance will be denied for a car that a driver won’t be owning that long and might relinquish in a few months instead of a few years. In fact, according to Commercial One Insurance Service, it’s not that big of a deal. Policies are kept in place for the duration that a policyholder needs it or the insurer wants to provide coverage. Typically, this is renewed in cycles of a year or every six months. So regardless of no longer being stuck with a car due to long-term financing commitments, the auto insurance world still generally stays the same. That’s good news for urban drivers looking for far greater flexibility, and Commercial One Insurance Service can help frame the right policy. Give us a call today.

When Can You Claim Your Warehouse and Logistics Insurance?

Most business people get warehouse and logistics insurance as additional coverage for their businesses. The insurance coverage, however, has some unclear areas. The insurance coverage options are meant to protect business owners from workers’ compensation claims, employment practices liability, and bonding surety. At Commercial One Insurance Services serving the Burlingame and Los Angeles, CA areas, we write quotes for warehouse and logistics insurance policies.

The following are some of the reasons when you can claim your warehouse and logistics insurance:

Negligence When Handling Goods In a Warehouse

Warehouse legal liability insurance coverage serves as third-party coverage. If a warehouse operator handles goods without care, your customers may incur losses. The coverage helps to pay the customer for the loss only if a warehouse operator has indeed handled the goods with negligence. The negligence is usually characterized by factors such as inappropriate storage or labeling

In Case Of Property Loss

Commercial property logistics insurance covers you in case of property loss or damage. You can make a claim to receive financial compensation.

In Case A Worker Gets Injured At Work

Workers compensation insurance helps to pay for medical fees in case an employee gets injured or sick at work or as a result of their work. If they decide to file lawsuits, it helps to pay for the legal fees.

At Commercial One Insurance Services, we help our clients get the quotes that are able to suit their needs. We write insurance policies for life insurance, home insurance, warehouse and logistics insurance, commercial insurance, trucking insurance, and auto insurance. We offer our services in California, Nevada, Virginia, and Georgia. Our agents are friendly, knowledgeable and professional and we have 20 years experience.

Visit our offices or contact us at 650-652-9988 to discuss a new quote if you are in the Burlingame or Los Angelas, CA area.

3 Facts About Home Insurance

Typically, when you borrow money to purchase a home, your mortgage lender will require you to buy home insurance to protect their interests and safeguard your asset. Your home is a valuable asset that you must do whatever you can to protect it from unforeseen future risks. Commercial One Insurance Services offers comprehensive homeowners’ insurance policy to all homeowners in Los Angeles, CA and the surrounding areas.

Unfortunately, most of the homeowners don’t understand what a typical homeowners’ insurance policy is all about and how it works. Here are the top three facts about home insurance that every homeowner should know.

There are Different Types of Home Insurance Policies

Although homeowners’ insurance policies are pretty standard across the United States, some providers or states may offer slightly different policies. The prominent home insurance policy is the HO-3 which protects from all common disasters except any disaster that has been excluded from the policy. This means that you will not be covered for any disaster that is not listed in the policy. 

There is also the HO-5 policy which protects both your home structure and personal property against all common disasters. The HO-6 Policy only covers your home structure against specifically named disasters.

Home Maintenance is Critical

Home insurance providers will always want to ensure that your home is in good shape before they cover you. Some insurance companies will deny a claim if they discover that damage occurred due to neglected maintenance activity. So, make sure you conduct regular roof inspections to establish any signs of roof leakage and keep your trees well-trimmed to avoid trouble with your provider when damage occurs.

Not All Damages Are Covered

Your standard homeowners’ insurance provides you with many protections such as protection of your home structure, personal belongings, liability, and loss of use. However, it does not cover everything in your home. Some home insurance policies state that for something to be protected, it must be accidental and sudden.

For instance, if your home has a leaky faucet that caused damage over many months, it will probably not be covered since you ignored proper maintenance. Also, specific natural disasters such as earthquakes and floods are not covered.

Are you a homeowner in the Los Angeles, CA area? Contact Commercial One Insurance Services today for a homeowners’ insurance policy