Business & Commercial Insurance
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Business & Commercial Insurance Information
California Business Owners, When you Need Commercial or Small Business Insurance
We're Here For You!
Several of our carriers, Liberty Mutual, Progressive and Nationwide are rated in the top seven companies for small business owners.
Did you know that the business owner policy (BOP) includes business income protection which helps cover your operating costs when your business is interrupted by a fire, wind or theft? Business owners can continue to pay expenses, such as payroll and monthly bills while property is being repaired or replaced. You may want to increase your business income coverage by adding endorsements endorsements to your existing Business Owner’s Policy.
Add an endorsement, extra coverage, if your business relies on:
- Other property to generate income
Here’s an example of businesses that should consider endorsements:
- Software companies that rely on physical property and digital property. This includes offices, computers, servers and cloud storage.
- Service businesses such as hair salons that depend on a physical location and tools to serve customers.
- Retail stores and businesses that need online or brick-and-mortar storefronts to display products.
After a covered peril or event occurs, many businesses have trouble regaining their prior level of income For example, say your small business closes for several weeks due to a covered loss. Upon reopening, you may find many of your old customers had to find another business to serve their needs. Extended business income coverage can help replace that lost income while you build your business clientele again.
Trumm Insurance also offers general liability coverage for business owners. It’s a good idea to buy General Liability Insurance or CGL if you:
- Have a store, office or building that’s open to the public, clients or vendors
- Handle or work near client property
- Advertise or create marketing materials for your business
- Use social media personally or professionally
Many carriers offer general liability insurance, but not all of them specialize in small businesses. Trumm Insurance has over 70 carriers and we can find you general liability coverage tailored to your small business.
Depending on your carrier, General Liability, including Commercial General Liability (CGL) May Cover the Following Claims:
- Bodily injuries and property damage your business may have caused. This can include customer slip and falls or employee accidents, like breaking a client’s windows while working at their home.
- Advertising injury that your business causes by defaming someone else or another company.
- Copyright infringement from using someone else’s work in your business’ ads without their permission.
- Harm to your reputation if something you said in an interview about another business owner negatively impacts their company.
Commercial General Liability (CGL) policies have different levels of coverage. A policy may include premises coverage, which protects the business from claims that occur on the business’s physical location during regular business operations. It may also include coverage for bodily injury and property damage that is the result of a finished product or service done on another location.
We can find you the ideal combination of coverages to fit your business situation and budget. Call us for a quick quote today! (530) 534-4600 or Complete a short quote form HERE.
Don't Forget about Commercial Auto Insurance
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask one of our agents to explain all the differences and options.
Worker's Compensation Insurance
For more information visit California Dept. Of Industrial Relations
"California employers are required by law to have workers' compensation insurance, even if they have only one employee. And, if your employees get hurt or sick because of work, you are required to pay for workers' compensation benefits. Workers' comp insurance provides basic benefits, including medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits and a return-to-work supplement, and death benefits."