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. 

What Is Commercial Insurance?

Commercial insurance is insurance designed for businesses. This insurance provides many protections from liability, as well as many other things. This insurance is broad in that it can be structured to meet the unique needs of a business. The agents of Commercial One Insurance Service of Burlingame, CA are committed to helping companies understand the benefits of this type of insurance. 

The Basic Gist

The easiest way to explain commercial insurance is to look at it as insurance for businesses that provides protection from liability, protect company assets, protect employees, and much more. However, no two businesses are alike, and commercial insurance is geared to suit the specific needs of a business or company. Businesses pay a premium, must pay deductibles, and have policy limits, coverage’s and exclusions, just like personal insurance policyholders. 

How Does Commercial Insurance Benefit Businesses?

Commercial insurance is broad in that it can provide many different protections. For example, commercial or business insurance can protect a business from property damage, theft, client lawsuits, and customer or employee injury. However, the benefits don’t end there. This insurance is designed to provide protection from standard risks and liabilities. 

Who Is Covered by Commercial Insurance?

Unlike personal insurance, commercial insurance is designed to cover and protect large groups of people. This includes both the employees and the company’s stakeholders. The coverage limits are generally higher because businesses have more risks to consider. A company’s name and reputations, as well as its financial standing, are areas of protection covered by commercial insurance. 

Different Types of Commercial Insurance

Businesses are as unique as snowflakes. No two are the same. As a result, commercial insurance can be just as widely diverse as the company. However, common types of commercial insurance include Errors and Omissions insurance, which is designed to protect tech companies from mistakes they may make with client projects. Workers’ compensation insurance provides protection from medical bills created from employee work injuries as well as lawsuits that may arise from these injuries. Liability insurance is another common type of commercial insurance. This insurance covers both property damage and injuries.  

Commercial One Insurance Service of Burlingame, CA is committed to helping you choose a policy that will provide your business with the type of coverage that it needs most. Give us a call.

Why do I need home insurance in California?

The San Francisco and Burlingame, CA area is a great place to live and work. Along with this, there is a great real estate market that offers a lot of potential to property owners. When you are going to purchase a property in this town, you need to ensure that it is fully covered by insurance. There is a range of factors to consider when you are going to get a home insurance policy.

Policy Requirements

One factor to consider when you are getting home insurance is your policy requirements. Most people that own a home will have some obligation to carry insurance. If you have taken out a loan to buy the property, the lender will likely require that you have insurance at all times. Also, if you live in an area with an association, you will have to comply with their insurance requirements. It is important to understand all of these obligations and to ensure you are meeting them.

Personal Assets

You also need to carefully consider your personal assets and make sure they are covered. Your policy will come with a certain level of coverage to replace your personal items if they are damaged or stolen. If you have some valuable items that are above this amount, you should consider getting an additional policy rider to get ample coverage. 

It is smart to find an excellent home insurance policy for your property. When you are shopping for a home insurance policy, you should call Commercial One Insurance Service in Burlingame, CA to discuss your insurance needs and options. Commercial One Insurance Service can help you to figure out what your risks and needs are. Based on this assessment, you can better choose an insurance policy that will give you the best form of coverage possible. 

3 Ways to Protect Your Car From Vandals

No matter what type of car you drive, it is a valuable asset you need to take care of. The agents of Commercial One Insurance Service offer valuable advice to their clients who live in the Burlingame, CA area.

Park in a Well Lit Area or Where Security Cameras Are Present

Parking in a well-lit area means fewer shadows for a vandal to hide in. The brighter and more visible the area, the less risk you will have of being victimized. It also helps to keep you safer as well. Put a security light next to your driveway. It will keep the area well lit on nights you park outside.

Always Set Your Car Alarm

If your car has a built-in alarm system, always make sure to lock your doors and set the alarm before walking away. If you see someone trying to break into your vehicle, hit the panic button. That is why it’s there.

Use Valet Parking If It Is Offered

If you are attending a large event in an area you are unfamiliar with, use the valet parking. Your car will be parked in a secure area and under video surveillance. Spending a few extra dollars is well worth the peace of mind you will get knowing your car is safely parked in the garage.

The agents of Commercial One Insurance Service provide their clients with useful tips to keep their vehicles safe whether they are at home or away. Contact an agent to check on your current policy or see about purchasing a new one. Visit our office in Burlingame, CA or make the call. You will get the info you need and the peace of mind you deserve.


What is warehouse and logistics insurance

The products you manufacture, warehouse, and sell are the backbone of your business. They are an investment you will want to ensure is protected, and the best way to do that is through warehouse and logistics insurance, but what exactly is it and do you need it?

The second question is easiest to answer because it is simple. If you have a business that includes keeping an inventory of products, you will want to obtain a warehouse and logistics insurance policy. The warehouse piece to this type of insurance policy covers your warehouse storage operations. This means if the products are damaged, there is a physical loss due to a fire or other disaster, or if damage occurs during the packaging, storage, cross-docking, or labeling, the cost of the products affected will be covered.

The logistics insurance part of your policy provides commercial insurance coverage for logistics providers of your business. This is a position that gives you management of the flow of your goods and materials between the origination point of travel to their assigned destination. A logistics provider regularly handles tasks, such as shipping, inventory, warehousing, and security, for the shipping process.

Because both of the insurance coverage types are so closely related and very similar, most business owners opt for a warehouse and logistics insurance policy all in one. The products you create are the backbone of your business, which is a substantial investment of your time and money. It is also your livelihood as a business owner, so you will need to protect your products through this type of insurance policy.

A trusted insurance agency with experience in warehouse and logistics insurance policies is the person to contact to assist you in creating the best policy for you and your company in California. The agents at Commercial One Insurance Service in Burlingame, CA have the knowledge and skill to create a policy that will leave your products and business protected. Contact our office in Burlingame, CA for more information.