Commercial Insurance


Commercial General Liability

CGL or Commercial General Liability is a policy that protects your business against personal and advertising injury, financial loss and property damage caused as a result or your employee’s or business operations. In short- it covers non-professional negligent acts.


Workers Compensation

Workers' compensation is a type of state required insurance that provides benefits to employees who suffer job-related illnesses or injuries. California has some of the strictest guidelines when it comes to work comp or employee related injury or illness claims. therefore it’s important to stay informed as rules are often changing


Commercial Property Insurance

Commercial property insurance helps protect a company's physical assets from things such as:

  • Explosions
  • Fire
  • Vandalism
  • Theft
  • Storm damage

Commercial Auto Insurance

Commercial vehicle insurance is a lot like your personal auto policy, it provides coverages for injuries to individuals or multiple people, damage to your vehicles or the vehicles of others. Commercial Auto can be industry specific and offers many coverages that personal auto does not.


Errors & Omissions (E&O) Insurance

Errors and Omissions or E&O as it is commonly called, is a form of professional liability that protects companies or individuals against claims of negligence or work completed that was deemed inadequate.


Payroll Services

One of the simple ways we better service our clients, is offering payroll. Powered by A&A Employer Services we provide unique and individualized payroll services for small business clients. With 24 hour live phone service and a qualified, interested specialist on the other end, we are always just a phone call away. No machines…ever.


Employment Practice Liability Insurance or EPLI

California businesses have a 40% higher chance of being sued by an employee. In short that’s why EPLI is so important for any business with employees. EPLI covers employers against Discrimination, Wrongful Termination and Sexual harassment. This by far the most important type of coverage if an employer wants to protect themselves against employee related lawsuits. Unlike many other forms of insurance, the name speaks for itself.


PEO Insurance

PEO stands for Professional Employer Organization. PEO’s typically combine Workers Compensation Payroll, HR, Benefits and some compliance for a comprehensive solution for Business’s. They also require what’s called a “co-employment agreement: essentially turning them into your employer of record. Meaning they assume the responsibilities of your HR and related liabilities.


Cyber Liability

As the world becomes increasingly virtual and companies are conducting more and more business through online portals, accepting online payments and offer products or storing intellectual assets online the need for additional protection from data breaches and financial losses has become increasingly important. Another term used for this type of coverage is “data breach insurance”


Directors & Officers (D&O) Insurance

Another important but often overlooked form of Commercial insurance coverage is Directors & Officers insurance or D&O. This coverage protects individuals acting as a director or officer for a corporation or other type of organization against lawsuits. This type of liability policy acts to reimburse a business for costs or legal fees associated with a lawsuit and covers personal losses due to similar lawsuits.


Risk Management Services

Safety and accident prevention, not merely compliance, should be the primary focus for any proactive organization. From a startup to an established company, practical risk management solutions assist organizational efforts in safety and injury prevention. When management understands the operational & financial benefits of a sound accident prevention program, loss control becomes a primary objective – not an afterthought.

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