Does A CDL Distinction Change My Personal Auto Insurance?

New or Current Resident of Burlingame, CA? Let Commercial One Insurance Service Be At Your Service

With a multitude of insurance products that will make your life easier we invite you to get to know us. We provide professional service and can make the chore of acquiring insurance a pleasure. 

Be Proud of Your CDL 

Chances are you’ve worked hard for your CDL- Commercial Drivers License. It’s a sure bet that you don’t want to have added financial burdens to your insurance policy as a result of your CDL. Your CDL distinction does not necessarily mean that your automobile insurance is going to be increased or change in any way. As it is with most things that are insurance related – it all depends on your individual situation. Come in and speak with us today.

Unfortunately, you do not get a decreased insurance rate due to your advanced driving distinction. You may qualify for defensive driving credit however because of your professional status. It is something that should be shared with your agent as soon as you acquire the distinction in order to ascertain how it will affect your insurance.

If you are insured through your employer and use your personal vehicle only for personal use, then your auto insurance does not have to change at all.

Some drivers use their personal vehicle for commercial use. An honest conversation with your insurer will alleviate the anxiety caused by this risky behavior. The type of business you are engaged in, the amount of commercial use you use your personal vehicle for and the level of insurance your employer has taken out for you are determining factors.

If you are in the Burlingame, CA area stop by Commercial One Insurance Service today. 

Home Insurance Facts Every Homeowner Should Know

Homeowners insurance helps protect your Burlingame, CA home and all its contents. If you’re new to home ownership, you may need a little help selecting a policy that corresponds with your property. The following home insurance facts from Commercial One Insurance Service can help you make wise home insurance decisions.

Importance of Home Insurance

In general, you need home insurance to protect your home and personal goods from theft, vandalism and the risk of disasters. If your home burns down due to an accidental fire, your dwelling and property insurance will help cover the cost of rebuilding your house and replacing your belongings.

Home insurance also protects you against liability claims if a visitor were to have an accident on your property. Without this coverage, you run the risk of paying your visitor’s medical expenses or property damage out of your own pocket.

What Home Insurance Covers

A standard home insurance policy will protect you against such perils as fire, smoke, hail, wind, lightning, explosions, vandalism, theft and water damage due to faulty pipes. It does NOT, however, cover flooding, damage caused by land movement (earthquakes, mudflows, landslides) or normal wear and tear of your home structure.

Coverage Options

As a homeowner, you decide the type and extent of coverage to obtain for protecting your home and belongings. Most insurers offer homeowners a choice of actual cash value (ACV) or replacement cost value (RCV) coverage.

Replacement cost coverage is more expensive but it will cover the cost of rebuilding your home or replacing your goods if they’re totally destroyed in a disaster. ACV coverage reimburses you for damages after subtracting depreciation (wear and tear), which reduces the value of your home or property.

For quality home insurance coverage to protect your Burlingame, CA home, contact Commercial One Insurance Service.  

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.

 

Home Insurance Add-Ons to Consider

When it comes to protecting your home you likely already have home owner’s insurance taking care of the basics. However, there are a number of potential holes within your coverage that might leave you open to financial problems and housing damage. That is exactly why if you live in the Burlingame, CA area you need to give Commercial One Insurance Service a call. 

Flood Insurance

Chances are your current home insurance policy does not cover flooding. Flooding can come from a number of potential situations. If the area is hit with substantial rainfall and your property floods, you’ll need flood insurance. It can be from a major storm bringing water in from the ocean. Or flooding can be the result of a water line bursting on your property. Whatever the culprit of the flooding, your standard home insurance policy may leave you exposed. 

Earth Quake Insurance

You live in California so you understand the chances of an earth quake occurring. While most earth quakes are on the minor side, it only takes one to cause serious damage to your property. A damaged foundation may cost tens of thousands of dollars to repair. You can avoid these kinds of costly out-of-pocket expenses by protecting your home with earth quake insurance. Not sure if your property is covered? Now is the time to contact an expert to go over your policy. 

Having the right home owner’s insurance is extremely important. It might be the difference between you having financial coverage for damage to your house and being forced to pay for the damage out of pocket. If you live around Burlingame, CA and have questions regarding your current home owner’s insurance and what you may want to consider adding on, now is the time to give Commercial One Insurance Service a call. 

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.

Does my home insurance cover all my possessions?

If you ever are unfortunate enough to experience a disaster in Burlingame, CA, you want to feel comfort from knowing your possessions were at least covered by insurance. At Commercial One Insurance Service, we try to make sure our clients get the right coverage to suit their personal needs.

That means understanding what kinds of situations and items are excluded from their policies. Everyone has a different situation, so a policy should be individually tailored. 

Exclusions by situation 

A homeowners policy will list the kinds of cases where coverage is available. The most common are disasters like fire or burglary, and may also include tornado or wind damage. 

Water damage is usually not covered. If you feel like you want additional coverage beyond that listed in your policy, talk to your agent. 

What specifically is covered 

Subject to your deductible and policy limits, a wide range of your personal possessions are covered under your homeowner’s insurance. 

  • Large appliances, like your furnace, may be covered by a home warranty instead. Small appliances, like toasters and microwaves, will fall under your homeowner’s policy. Your policy will also cover electronics, including televisions and computers. Furniture is also included. 
  • Personal possessions are included, such as clothing, books, and jewelry. There are probably limits on the value of the jewelry, so if your jewelry is valuable, you may need additional coverage. 
  • Homeowners insurance may cover some items you are storing on your property, like boats during the winter. Again, these are subject to certain limits, so you probably need boat insurance too.

If you have any questions about your coverage in Burlingame, CA, or if you feel like you could use greater protection, please call Commercial One Insurance Service, and we will be happy to help.

Coverage When Your Car is Damaged on a Work Trip

Thousand of folks across the country travel every day for work. In California sales people, technical specialists, managers covering different regions and operational folks hit the highways and the side roads every day of the week to get things done and keep companies rolling. However, while companies in Burlingame, CA and elsewhere are quick to reimburse mileage or offer options for rental cars, they don’t necessarily jump to the forefront to help folks protect their cars. In fact, many companies require anyone traveling in their own car to have their own car insurance in case of liability needs or an accident. Now that’s a bit of a paradox since the trip happened due to work, but many companies in Burlingame, CA either provide their own vehicle or a rental in many cases if an employee has no car. But folks like to drive their own cars instead, so when that happens, companies shift the coverage burden to the employee as part of the convenience being allowed.

No surprise then, employees better have their own insurance up to date and ready to address travel through different areas, especially when traveling out of state for work. According to Commercial One Insurance Service, state minimum liability coverages vary, so if a person only has a basic liability coverage in place, it may not be enough for a neighboring state. Those with comprehensive coverage or a more robust policy are in a far better situation as these coverages easily address requirement differences from state to state. Commercial One Insurance Service can help if you think you’re going to need your car a lot for work and want to have the right coverage in place. Whether you’re going to be an Interstate 5 warrior or go cross-country, our experts can match you quickly to the right policy. Call today!