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