Orange County Small Business Insurance Savings
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Small Business Insurance Discounts in the OC
Protect Your Most Valuable Asset
Coffer Insurance is one of the leading insurance service providers in Orange County. We help business owners create policies to protect their businesses and themselves. We know that businesses like yours have unique and specific insurance needs, which is why we provide everything you are looking for in a commercial insurance agency – low rates, excellent service, financial stability and customized coverage.
What Does Orange County Small Business Insurance Cover?
When your insurance agent writes your policy for you, it will contain coverage for all of your business needs. This includes not only the office property, but also vehicles, tools, equipment, and liability too.
Commercial Property Insurance
Commercial property is probably one of the more important aspects coverage for which business owners need to plan. Depending on how much property you have, your insurance coordinator can go over the amount of coverage you would want.
Property insurance coverage will include protection against damage resulting from:
- Fire, Theft
- Floods, Hurricane & Earthquake
Business Vehicle Insurance
Many California businesses need commercial auto insurance, especially if they use vehicles as part of their job. Commercial auto insurance is necessary for vehicles if:
- You transport goods
- You transport equipment
- You tow a trailer with the business vehicle
- Employees operate your vehicle
- You use it conduct business
- You need a higher liability coverage
General Liability Insurance
Millions of lawsuits are filed in the U.S. every year that can be detrimental to California business owners if they don’t have adequate liability coverage. Liability insurance protects your business from lawsuits. It is necessary for all business owners. The amount and type you obtain depend on the nature of your business. Here are the main types of liability insurance coverage:
- Professional liability — this pertains to professional negligence or malpractice.
- Product liability — this type of coverage protects against injury on your property.
- Employment practices liability — this coverage pertains to an employee suing over wrongful practices within the workplace.
- Workman’s compensation liability — this coverage is for employees injured while on the job.
Orange County Small Business Savings Coverage
Business insurance includes coverage in the event that the office closes for a period of time due to damages. Standard business coverage will take care of lost wages and revenue, but you may want to look into extra coverage in case you need to relocate temporarily while the business is repaired.