Metro Solutions

 Alhambra Affordable Business Owner's Policy Insurance Coverage

At Metro Insurance Services we offer our clients the most innovative insurance products from quality insurance companies at affordable premiums. By placing your insurance needs through Metro Insurance Services, you will be empowered with tools and resources to acquire the protection you want from a trustworthy company that cares about customer satisfaction.

Get the most out of your Commercial Insurance policy, Metro Insurance Services, offers you the best coverage at the lowest rates

Because or our reputation and drive to provide the latest information and lowest rates, we have been successful in developing a rapport with the top ranked carriers currently providing coverage in the state. Call Metro Insurance today!

13 Types of Insurance a Small Business Owner Should Have Alhambra Affordable Business Owner's Policy Insurance Coverage

what we offer in Alhambra Affordable Business Owner's Policy Insurance Coverage

1. Standard Liability Insurance: If home-based, needs to have liability insurance, every business, even. The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.

2. Residence Insurance: If you have a fire,theft and vandalism, smoke damage etc, if you own your building or have business personalproperty, including office equipment, computers, inventory or tools you should consider purchasing a policy that will protect you. If the business is unable to operate, you may also want to consider business interruption/loss of earning insurance as part of the policy to protect your earnings.

3. Business owner’s insurance policy (BOP): A business person coverage offers all required insurance coverage a business owner would require. Often, BOP’s includes business disruption insurance coverage, residence insurance plan, motor vehicle coverage, insurance, and criminal activity insurance coverage . Depending on your company’s particular requires, you may change exactly what is included in a BOP. By choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage’s, a business owner will save money, typically.

4. Business Automobile Insurance: Business car insurance safeguards a company’s automobiles. You may safeguard autos that hold staff members, merchandise or gear. With professional vehicle insurance it is possible to ensure your projects vans, cars, trucks and SUVs from damage and collisions. If you do not have company vehicles, but employees drive their own cars on company business you should have non-owned auto liability to protect the company in case the employee does not have insurance or has inadequate coverage. Frequently the low-possessed can be put into the BOP policy.Alhambra Affordable Business Owner's Policy Insurance Coverage

5. Worker’s Reimbursement: Worker’s payment provides insurance policy to staff members who are injured on the job. This kind of insurance policy supplies pay alternative and health care advantages to individuals who are hurt although working. To acquire these rewards, the worker provides up his privileges to sue his employer for your incident. As a business owner, it is very important to have worker’s compensation insurance because it protects yourself and your company from legal complications. All require you to have workers compensation if you have W2 employees, even though state laws will vary. Fees and penalties for low-concurrence can be extremely tough.

6. Professional Liability Insurance: this particular insurance coverage is also called Errors and Omissions Insurance plan. The plan provides damages and defense for failure to or inappropriately rendering specialist solutions. Your general responsibility insurance policy is not going to provide this security, so it is important to be aware of the variation. Expert liability insurance is relevant for any skilled organization which include consultants, accountants, notaries and lawyers real estate agents, insurance policy agents, locks salons and technological innovation providers to name a few..

7. Directors and Officers Insurance policy: this sort of insurance plan shields the directors and officers of the firm against their measures affecting the earnings or surgical procedures of the firm. In case a director or official of your business, being a straight result of their measures on-the-job, finds her or himself in the legitimate condition, this particular insurance plan can protect charges or damage dropped due to a court action.

8. Details Breach: If the business stores sensitive or non-public information about employees or clients on their computers, servers or in paper files they are responsible for protecting that information. If a breach happens either electronically or from the document submit a Info Infringement policy can provide defense up against the reduction.

9. Homeowner’s Insurance plan: Homeowner’s insurance coverage is among the most essential kinds of insurance coverage you will need. This particular insurance plan can protect in opposition to damage to the home and in opposition to harm to items inside of the residence. In addition, this particular insurance plan could safeguard from incidents that happen both at home and may have happened due to measures of your own.

10. Renter’s Insurance coverage: Renter’s insurance plans are a sub-pair of homeowner’s insurance policy which applies just to individuals as their who rent payments their home. The coverage is guards from harm to the physical house, contents of the house, and private damage in the property.Alhambra Affordable Business Owner's Policy Insurance Coverage

11. Life Insurance Coverage: Life insurance safeguards an individual towards dying. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You spend limited to acquire the transaction of advantages towards the named beneficiary. This kind of insurance plan is vital because it allows for satisfaction. Having life insurance allows you to realize that all your family members will not be troubled financially with your dying.

12. Personal Automobile Insurance: Yet another essential kind of insurance is auto insurance. Car insurance handles all streets automobiles (cars, trucks and motorcycles and so forth.). Automobile insurance carries a dual operate, safeguarding towards both bodily harm and bodily injury due to an accident, and also any responsibility that could rise from your collision.

13. Individual Umbrella Insurance: You might want some more coverage, in addition to insurance coverage you already possess. This is why personal umbrella insurance is needed. This type of insurance is an extension with an presently current insurance policies and handles beyond the normal insurance policy. This insurance coverage can cover different varieties of statements, which include homeowner’s or vehicle insurance. Usually, it really is bought from increments of $1 thousand and it is used only once accountability on other insurance policies has become worn out.

A specialty insurance program means you will find a solution based on an outstanding knowledge of your specific needs. Thousands of Californians have switched to Metro to renew their policies, let us show you why!

Concert or Events
Importers & Exporters
Law Firms
Print Shops
Real Estate
Salon & Spas
Security Company
Technology Services
Transportation & Trucking