Metro Solutions

 Alhambra Affordable Group Health 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 Group Health Insurance Coverage

what we offer in Alhambra Affordable Group Health Insurance Coverage

1. Standard Liability 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 damages and defense.

2. House Insurance policy: If you have a fire,vandalism and theft, 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. Company owner’s plan (BOP): A business owner coverage deals all necessary insurance coverage a business person would want. Usually, BOP’s would include enterprise interruption insurance, house insurance, motor vehicle insurance, liability insurance, and criminal activity insurance policy . According to your company’s certain requires, you are able to modify precisely 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. Professional Car Insurance: Business car insurance shields a company’s vehicles. It is possible to protect cars that have employees, items or equipment. With professional car insurance you are able to guarantee your job cars, SUVs, trucks and vans from damage and collisions. 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 if you do not have company vehicles. Often the non-owned can be included with the BOP coverage.Alhambra Affordable Group Health Insurance Coverage

5. Worker’s Settlement: Worker’s settlement offers insurance plan to workers who happen to be hurt at the job. This kind of insurance coverage offers salary replacement and health care good things about individuals who are injured whilst doing work. In return for these positive aspects, the worker presents up his rights to sue his company for your incident. It is very important to have worker’s compensation insurance because it protects yourself and your company from legal complications, as a business owner. All require you to have workers compensation if you have W2 employees, even though state laws will vary. Penalties for non-compliance can be extremely inflexible.

6. Professional Liability Insurance: this kind of insurance policies are often known as Faults and Omissions Insurance plan. The insurance policy offers defense and damages for failure to or improperly providing expert professional services. Your current culpability coverage does not give this defense, so you should understand the big difference. Professional insurance is applicable for any skilled business which include lawyers, accountants, consultants and notaries real estate agents, insurance agencies, your hair salons and technology companies to name a few..

7. Officers and Directors Insurance policy: this kind of insurance policy safeguards the officers and directors of the firm in opposition to their activities that affect the earnings or functions in the organization. When a director or representative of the firm, like a immediate reaction to their activities at work, locates her or himself in the legitimate situation, this kind of insurance policy can deal with fees or damages shed due to a suit.

8. Info 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. When a violation takes place either electronically or from a pieces of paper data file a Info Violation insurance policy will offer protection from the loss.

9. Homeowner’s Insurance plan: Homeowner’s insurance policy is amongst the most significant forms of insurance you need. This kind of insurance can protect in opposition to injury to your home and towards problems for items inside of the home. In addition, this type of insurance coverage could shield you from mishaps that happen both at home and may have took place because of measures of your.

10. Renter’s Insurance plan: Renter’s insurance is a sub-pair of homeowner’s insurance policy which is applicable merely to all those whoever who rent payments their property. The coverage is shields against problems for the actual residence, contents of the home, and personal trauma inside the property.Alhambra Affordable Group Health Insurance Coverage

11. Insurance Coverage: Insurance coverage safeguards someone from death. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You pay reduced in exchange for the transaction of benefits for the named beneficiary. This kind of insurance policy is vital because it allows for assurance. Experiencing life insurance lets you understand that your loved ones is definitely not troubled financially on your loss of life.

12. Personal Automobile Insurance: Yet another essential form of insurance plans are vehicle insurance. Car insurance covers all street cars (cars, motorcycles and trucks and so forth.). Car insurance includes a dual operate, safeguarding against both physical damage and bodily damage caused by a crash, and in addition any responsibility which may rise in the accidents.

13. Individual Umbrella Insurance plan: You might want some additional insurance, on the top of insurance coverages you already have. Here is where private umbrella insurance plan is necessary. This particular insurance coverage is an extension for an presently present insurance coverage and handles past the typical plan. This insurance policy can include kinds of promises, including homeowner’s or car insurance. Usually, it is available in amounts of $1 mil and is applied provided that accountability on other insurance policies is exhausted.








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