Small Business Insurance in El Dorado Hills California

If you’re looking for business insurance for your small business there’s certain things you want to know before jumping into the first policy you see. In this article we’ll go over some basics about commercial insurance and give you some pointers on protecting your business.

Knowing the amount of coverage you need and setting your limits correctly can mean all the difference. If you don’t have adequate coverage to protect your company it could be financially devastating. 

It’s also important to know what type of coverage you need. There are many forms of business insurance coverage. Most business owners will combine multiple policies to fully protect their business. 

Types of business insurance coverage;

• Business Auto Insurance
• Business Owners Policy
• Commercial Crime Insurance
• Commercial General Liability Insurance
• Commercial Property Insurance
• Commercial Umbrella Insurance
• Cyber Liability Insurance
• Directors And Officers Liability Insurance
• Employment Practices Liability Insurance
• Equipment Breakdown Insurance
• Professional Liability (E&O) Insurance
• Workers Compensation Insurance

One of the easiest ways to find out what the best way to go about finding the right coverage is to speak with a professional business insurance agent. My suggestion is to go to a reputable company that has been around for years such as Eugene C Yates Insurance Agency. The agents at Eugene C Yates have access to the top business insurance companies in the industry and they know of every business insurance discount available. This makes it very easy for them to find you great coverage at a very affordable rate. 

To get a free business insurance evaluation and a custom quote, please give them a call today at 916 313 6100.

California Small Business Insurance Policies

Each industry and company will have unique needs when it comes to business insurance. The cost and coverages will depend on what risks the business has. Below we go into more detail in regards to coverage you may want for your company.

Commercial auto insurance

Business auto insurance is very similar to personal auto insurance. Although, commercial auto insurance is designed to protect the vehicles the company uses for daily business activities.

How commercial auto insurance can protect your company;

• Covered auto liability coverage 
• Uninsured and underinsured motorists coverage
• Physical damage coverage 
• Medical payments coverage 

Commercial auto insurance coverage protects your business from these claims;

• Liability
• Physical damage
• Medical payments
• Uninsured motorists

Commercial property insurance 

Commercial property insurance will protect your companies structure and the property within the building. Property within the building you do business out of can account for a large percentage of the companies assets. Which makes having a good business insurance policy to protect them, very important. These may be covered as well;

• Additions under construction, alterations, and repairs that other insurance does not cover. The materials, equipment, supplies, and temporary structures that are on or within 100 feet of the premises and used to make the additions, alterations, or repairs are also building.
• Completed additions
• Fixtures. This includes outdoor fixtures.
• Permanently installed machinery and equipment
• Personal property the insured owns and uses to service or maintain the building or premises

Commercial property insurance covers claims from;

• Fire
• Theft or vandalism
• Water damage (non-flood)
• Wind damage

Business insurance can come in many different forms and finding the right policies to protect your business can be critical to the success of your company. If you would like a free business insurance quote, please give us a call at 916 313 6100