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Commercial Insurance
More commercial info:
Restaurant
Work Comp
Get your loss runs to get your discounts. Insurance
companies want five years of currently valued loss information. To use a
metaphor : loss runs are like a kids report card they tell an
underwriter how safe your business environment and culture are.
underwriters provide discounts for loss runs or won’t provide a quote at
all without current loss information. Just fill in the information and
submit to us and we will return it to you for your signature. This form
is for California and may not pertain to your state. You may also get
your loss information by contacting your agent, broker, or insurance
carrier.
To view a printable version of our loss run letter, click
one of the Loss Run links to the left under Forms. We have provided
a PDF form which can be filled out online and printed, or a faster
loading text page which can be quickly printed or downloaded. printed
quickly.
Do you know if these three key areas are adequately covered?
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Property coverage
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Liability
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Business interruption
PROPERTY COVERAGE
Property coverage is often divided into two parts in a business policy:
Fixed Property (buildings, fixtures, etc.)
Contents (equipment, inventory, etc.)
or it can be a combined single limit.
The ways that your property can be covered are:
"All Risk" or "Specified Peril."
LIABILITY COVERAGE
Liability coverage generally protects you from claims that arise out of
harm your business (including employees) cause another.
Key questions:
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Do you operate
off-site?
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Serve alcoholic
beverages at functions?
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Sell products that
could cause harm?
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Do you or your
employees operate personal vehicles at anytime in the course of
doing business?
BUSINESS INTERRUPTION
What happens if your business is shut down? Who will pay the bills? Will
you be able to resume when everything is back to normal?
This coverage is often overlooked. It shouldn't be.
Ask us to review what you currently have and we can work with you to
make sure you are adequately protected! |
