California small business insurance

California small business insurance

If you’re a small business owner in California and you are looking for liability insurance for your business, you have come to the right place! Taylor Company Insurance offers Hiscox for California small business insurance coverage for a wide variety of professional services businesses in San Diego, National City Ca 91950.

Liability insurance available in California 

We don’t offer a one-size-fits-all insurance plan. We tailor our small business insurance in California to meet your needs. Hiscox small business insurance products include:

General liability insurance also known as Commercial General Liability (CGL) protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property.

• Bodily injury: A client falls over your bag and you are legally liable for the injury. We will cover the subsequent claim and related medical expenses up to your General Liability policy's limits of liability.
• Property damage and data loss: You spill coffee on a client’s server causing damage and loss of data. We will cover the subsequent claim up to your General Liability policy's limits of liability.
• Personal injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy's limits of liability, and pay for an attorney to defend you if necessary.

Learn more about general liability insurance in San Diego, National City Ca 91950.

Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance) is coverage for another person's claims against businesses that provide professional and personal services. Some examples of what could be covered are below:  

• Protection even if you haven’t made a mistake: You advise a client to change some internal processes to increase productivity. The recommendations aren’t implemented as you had specified and productivity subsequently drops by 15% rather than improving. Or if you manage the development of a new product. There are problems with the project (which are out of your control) and you cannot deliver the final product in a timely manner. If your client sues you, we  will appoint an attorney to defend you under a Professional Liability policy.
• Negligent acts: You advise a client to update their employment practices. Six months later, your client contacts you, stating a part-time employee is suing the company. You had left out a key requirement on the amount of hours part-time employees are permitted to work. If your client sues you, we will appoint an attorney to defend you under a Professional Liability policy.

Learn more about professional liability insurance San Diego, National City Ca 91950.

Business Owners Policy (BOP) is a combination of general liability and business property insurance. BOP insurance is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:   

• Office insurance for fire and business interruption.
• Electronic data loss insurance.
• Hired or non-owned vehicle liability insurance.
• Commercial Crime insurance to cover the dishonesty of your employees.

Learn more about business owners policy San Diego, National City Ca 91950.

Example professions we insure in California:

• IT/Technology
• Architects and Engineers
• Business Consulting/Training/Research
• Marketing/PR/Design
• Health, Beauty and Wellbeing
• Other professional services

Give us a call to bundle and save on your Business/Commercial insurance policies today! San Diego, National City Ca 91950

Taylor Company Insurance & Financial Services

Patrick Patterson

President 

Cell: 760.566.8544

Office: 619.477.6330

Fax: 619.477.1882

Website: www.taylorhouseinsurance.com

Who Needs Commercial Auto Insurance?

Commercial Auto Insurance vs. Personal Car Insurance

When it comes to drivers, vehicles, and purposes, personal drivers don’t have the same kinds of car insurance concerns as do businesses.

Businesses have much higher liability issues; as such, usually they have higher liability insurance requirements or recommendations. Generally, businesses deal with:

• Employees.
• Passengers.
• Work gear.
• Other people and/or equipment.

Commercial car insurance is typically required to sufficiently cover the above. San Diego, National City Ca. 91950

Drivers Who Need Commercial Auto Insurance

You need commercial auto insurance if you use your vehicle for work or own vehicles operated by a business.

Commercial car insurance coverage isn’t just about big rigs.

Commercial vehicles actually can include what you might consider “regular vehicles,”such as:

• Cars.
• Pickup trucks.
• Sports utility vehicles.

It also branches out to some of the vehicles you might more closely associate with commercial work, such as individual or fleets of:

• Trucks including, but not limited to, dump trucks, box trucks, refrigerator trucks, bucket trucks, and catering trucks.
• Vehicles outfitted with work equipment.
• Utility vans.
• Limousines, taxicabs, and other livery vehicles.
• Flatbeds.
• Rented or leased vehicles.
• Any vehicle owned or leased by a business, partnership, or other corporation.

Simply put, if you use a vehicle or vehicles for your profession or business (other than commuting to work), it’s likely you need commercial auto insurance.

NOTE: If you use your vehicle for work-related purposes and you aren’t sure if you need commercial auto insurance, ask your insurance agent. San Diego, National City Ca. 91950

What Does Commercial Auto Insurance Cover?

Basically, commercial car insurance covers the same major coverage's private individuals purchase (usually at higher limits); however, there are many add-ons more suited for commercial driving, such as coverage for your:

• Employees, including fellow employee coverage and broadened and blanket policies that protect additional employees or people for whom your business is doing work.
• Equipment, including loading and unloading goods.
• Business, which protects your assets in the event of a lawsuit.

Your auto insurance specialist can inform you of your exact coverage needs based on your business and vehicle use. San Diego, National City Ca. 91950

How to Purchase Commercial Auto Insurance

Basically, you’ll purchase commercial car insurance coverage the same way you’d purchase regular vehicle insurance:

• Decide whether you’ll work alone, with an agent, or with a broker.
  • Generally, insurance agents focus on one insurance company, while brokers can research several different providers for you but may charge a broker fee.
• Compare several auto insurance providers. Look at factors such as their financial standings and customer service feedback.
  • Never look at just one provider; always compare at least three quotes.
• Discuss coverage requirements (liability insurance) and optional coverages.
• Choose the provider that offers the best coverage for you at the most affordable rate.
• Purchase your commercial auto insurance plan. San Diego, National City Ca. 91950

Taylor Company Insurance & Financial Services

Patrick Patterson

President 

Cell: 760.566.8544

Office: 619.477.6330

Fax: 619.477.1882

Website: www.taylorhouseinsurance.com

Do you have Earthquake Insurance? Risk of big earthquake on San Andreas fault rises after quake swarm at Salton Sea..................

Now is a good time to go over your Earthquake & Homeowners insurance policy to make sure you are covered in the event Southern California has a large earthquake as many are predicting.

Taylor Company Insurance has many carriers that write Earthquake insurance as either an add on to an existing Homeowners policy or stand alone. Depending on where the home is located the price can vary from $300 - $3,000+ based off location risk. Another price factor is the deductible which is usually a percentage of the total replacement cost of the home instead of a flat increment (ex. $500/1000/5000). Example a $250,000 home with a 10% deductible would cost you $25,000 out of pocket to rebuild the home in the event of total loss. Yes $25,000 is a lot of money, BUT your Homeowners policy does NOT cover Earthquake damage so you would have to pay the full $250,000 to rebuild the home out of pocket without Earthquake insurance coverage. National City 91950

According to seismologists the rumbling started Monday morning deep under the Salton Sea. A rapid succession of small earthquakes — three measuring above magnitude 4.0 — began rupturing near Bombay Beach, continuing for more than 24 hours. Before the swarm started to fade, more than 200 earthquakes had been recorded. National City 91950

“Any time there is significant seismic activity in the vicinity of the San Andreas fault, we seismologists get nervous,” said Thomas H. Jordan, director of the Southern California Earthquake Center, “because we recognize that the probability of having a large earthquake goes up.” That being said Taylor Company Insurance can put together a Home + Earthquake + Auto Insurance package quote for your family with minimal information. 

With many seismologists speaking in terms of "when" not "if" an Earthquake will strike the $300 - $3,000 a year in premium seems like a reasonable cost in  the big picture. San Diego county as a whole has much lower rates than many other Southern California areas. San Diego county is large Carlsbad 92009 to National City, Ca 91950 covers a lot of area so rates will vary. If you are interested in getting a free, no obligation quote for your home please reach out via phone/text/email. National City 91950

Taylor Company Insurance & Financial Services

Patrick Patterson

President 

Office: 619.477.6330

Fax: 619.477.1882

Website: www.taylorhouseinsurance.com

Email: Taylorcompanyinsurancepdp@gmail.com