About Me
I am happy to call Long Beach, California my home for over 20 years. Owning a local restaurant gave me the experience that I need to understand how complicated commercial policies can be. Every phone call I pick up has a different story with varying exposures to protect. As a business insurance specialist, I am up for the challenge to find the best protection for your company.
Ask Me About
Business Auto Insurance provides coverage that a standard Personal Auto policy cannot. If your business uses vehicles to operate, such as visiting job sites or transporting clients or materials, you likely need Commercial Auto Insurance to cover your vehicles and employees.
A Business Owner's Policy is one convenient package that combines commercial property insurance, general liability insurance, and business income insurance. You can add additional coverages or bundle other types of insurance policies to your BOP.
Commercial Property Insurance coverages protect businesses against financial losses due to fire, infrastructure issues, natural disasters, theft, vandalism, and more.
General Liability Insurance protects contractors and small-business owners against claims of bodily injury claims, medical costs, and property damage.
Workers’ Compensation Insurance protects businesses and employees when a worker becomes sick or injured from an employment-related cause.
Here are additional commercial insurance coverages to consider:
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Friends help friends save money. But why not earn a little extra money while doing it?
We'll send you a $100 e-gift card for each friend or family that gets a business insurance quote from us. It's that easy and referral rewards add up quickly! So, start telling your friends and family about AIS!
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Frequently Asked Questions
Let's start with the basics. Most commercial insurance quotes require the following information:
- - Business name and location
- - Owner information and experience
- - Details of business operations (industry, entity, FEIN#, etc.)
- - Gross annual sales/receipts
- - Claim history
- - Number of employees and annual payroll
- - Commercial Auto Vehicles: Driver's DOB, driver's license #, VIN #, and current insurance coverage
- - Commercial Building: Address, year built, square footage, building construction, type of roof, plumbing, and electrical
Write a business plan. It takes time and effort, but you will get clear picture of your company. You will also get a complete understanding on what types of exposures you need to insure.
Generally, it's a good idea to review all of your insurance needs at least once a year. If you have any major business changes such as hiring an employee or adding a new product or service, give me a call and we can take a look at whether adding additional insurance for specific types of risk may make sense.
In most cases, business insurance is required by law. Most states require businesses with employees to obtain workers' compensation insurance. Businesses who own commercial vehicles or trucks must also be insured with commercial auto insurance. Depending on where you live, your state law may also require you to obtain insurance as part of the licensing process.
The size of your business, where you operate, gross income, types of services offered, the number of employees, and claim history determine the cost of insurance for your business. Most insurance companies will offer you a package deal for the coverage you want. If you want to know the exact cost to insure your salon, request a free business insurance quote today!
My customers usually thank me for my patience and spending extra time with them explaining insurance so they can understand it. According to one customer, "It's not all about saving money. Insurance is confusing and a lot of people don't take the time to explain things like you do."