Metro Solutions

 Alhambra Affordable Business Personal Property Insurance Policy

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 Personal Property Insurance Policy

what we offer in Alhambra Affordable Business Personal Property Insurance Policy

1. Standard Insurance: Every business, even if home-based, needs to have liability insurance. 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, the policy provides both defense and damages.

2. Home Insurance coverage: 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 you have a fire,vandalism and theft, smoke damage etc. You may also want to consider business interruption/loss of earning insurance as part of the policy to protect your earnings if the business is unable to operate.

3. Organization owner’s insurance policy (BOP): A business person coverage bundles all needed insurance coverage an entrepreneur will need. Typically, BOP’s includes company disruption insurance, house insurance coverage, vehicle coverage, liability insurance, and crime insurance coverage . Depending on your company’s specific requirements, you are able to modify exactly what is incorporated into a BOP. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage’s.

4. Industrial Car Insurance: Commercial auto insurance guards a company’s cars. You can protect automobiles that hold staff members, items or gear. With commercial automobile insurance it is possible to make sure your projects trucks, cars, vans and SUVs from collisions and damage. 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 non-owned might be included in the BOP coverage.Alhambra Affordable Business Personal Property Insurance Policy

5. Worker’s Payment: Worker’s payment offers insurance plan to staff members who definitely are injured on-the-job. This sort of insurance plan supplies salary replacement and health care advantages to individuals who are injured whilst functioning. In return for these benefits, the employee offers up his privileges to sue his company for the accident. It is very important to have worker’s compensation insurance because it protects yourself and your company from legal complications, as a business owner. State laws will vary, but all require you to have workers compensation if you have W2 employees. Fees and penalties for non-conformity are often very inflexible.

6. Professional Insurance: this kind of insurance is also called Faults and Omissions Insurance plan. The plan gives defense and damages for failure to or inappropriately offering specialist solutions. Your current accountability plan fails to supply this protection, so it is important to be aware of the difference. Specialist insurance is relevant for almost any professional company which includes lawyers, notaries, accountants and consultants realtors, insurance agencies, your hair salons and technology companies for example..

7. Officers and Directors Insurance policy: this type of insurance policy shields the officers and directors of a company against their steps affecting the profits or surgical procedures of your business. If your director or official of your business, being a immediate outcome of their activities at the job, finds him or herself in a legal situation, this particular insurance plan can protect charges or injuries dropped as a result of a suit.

8. Details Breach: Servers or in paper files they are responsible for protecting that information if the business stores sensitive or non-public information about employees or clients on their computers. In case a breach happens either in electronic format or from your paper document a Data Violation coverage will give you safety from the loss.

9. Homeowner’s Insurance coverage: Homeowner’s insurance plan is among the most essential kinds of insurance you require. This type of insurance policy can protect in opposition to injury to the home and in opposition to damage to goods inside the home. Furthermore, this kind of insurance may safeguard you against accidents which happen at home or could have occurred on account of steps of your personal.

10. Renter’s Insurance policy: Renter’s insurance plans are a sub-set of homeowner’s insurance plan which can be applied just to all those in whose who rent their property. The coverage is protects against damage to the physical property, items in the house, and personal injuries throughout the property.Alhambra Affordable Business Personal Property Insurance Policy

11. Insurance Coverage: Life insurance shields somebody in opposition to passing away. The insurer pays a certain amount of money to a beneficiary upon your death if you have life insurance. You pay reasonably limited in exchange for the payment of advantages to the named beneficiary. This kind of insurance plan is essential since it enables satisfaction. Possessing insurance coverage lets you understand that all your family members is definitely not burdened financially on your death.

12. Personal Car Insurance: Another essential form of insurance policies are car insurance. Automobile insurance handles all streets cars (cars, motorcycles and trucks and so forth.). Vehicle insurance includes a two work, protecting against the two actual injury and physical injuries as a result of a crash, as well as any responsibility that may climb through the crash.

13. Private Umbrella Insurance policy: You may want some extra protection, on the top of insurance coverage you already have. This is when individual umbrella insurance plan is important. This type of insurance policies are an extension with an previously present insurance policies and includes beyond the typical policy. This insurance policy can cover different types of boasts, which include homeowner’s or automobile insurance. Usually, it is actually available in increments of $1 thousand and is also utilized provided that culpability on other policies is exhausted.

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