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 Alhambra Affordable Group Medical 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 Group Medical Insurance Policy

what we offer in Alhambra Affordable Group Medical Insurance Policy

1. Standard Insurance: If home-based, needs to have liability insurance, every business, even. The policy provides both damages and defense 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. Home Insurance plan: 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. 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): An entrepreneur coverage bundles all needed coverage a business person would need. Frequently, BOP’s will include business interruption insurance policy, property insurance plan, car insurance, liability insurance, and offense insurance policy . Depending on your company’s distinct requirements, you are able to modify precisely what is included in 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: Professional automobile insurance protects a company’s cars. You may guard autos that bring staff, items or devices. With professional car insurance you are able to ensure your projects trucks, SUVs, vans and cars from collisions and damage. 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 low-owned or operated could be included with the BOP insurance policy.Alhambra Affordable Group Medical Insurance Policy

5. Worker’s Reimbursement: Worker’s payment provides insurance plan to workers that are harmed at work. This sort of insurance policy offers wage substitute and health care good things about people who are wounded although working. In exchange for these advantages, the worker presents up his rights to sue his employer for that event. 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 low-agreement are often very tough.

6. Specialist Liability Insurance: this type of insurance policies are also called Faults and Omissions Insurance. The insurance plan supplies defense and damages to fail to or poorly rendering expert services. Your general accountability coverage does not provide this defense, so it is essential to know the distinction. Professional insurance is relevant for virtually any specialist organization such as notaries, lawyers, accountants and consultants real estate professionals, insurance policy substances, head of hair salons and technologies service providers to mention a few..

7. Directors and Officers Insurance coverage: this type of insurance shields the directors and officers of a company in opposition to their steps that affect the success or procedures in the organization. If your director or representative of your own organization, being a direct result of their activities at the job, realizes him or herself within a lawful condition, this kind of insurance policy can cover fees or damage lost because of a court action.

8. Information Violation: 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. If a infringement happens both digitally or from a papers data file a Info Breach plan will offer protection against the reduction.

9. Homeowner’s Insurance plan: Homeowner’s insurance policy is one of the most important types of insurance coverage you want. This sort of insurance coverage can protect from problems for the house and against injury to goods within the house. Furthermore, this particular insurance plan may possibly safeguard you accidents that happen at home or may have happened due to steps of your.

10. Renter’s Insurance policy: Renter’s insurance policies are a sub-list of homeowner’s insurance which applies simply to individuals in whose who rent payments their house. The coverage is protects in opposition to problems for the physical residence, items in the house, and private injury within the house.Alhambra Affordable Group Medical Insurance Policy

11. Life Insurance: Life insurance coverage shields an individual towards death. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You spend reduced in exchange for the transaction of benefits towards the named beneficiary. This sort of insurance plan is very important as it enables reassurance. Possessing life insurance enables you to recognize that your loved ones is definitely not burdened financially with your dying.

12. Individual Automobile Insurance: Yet another very important kind of insurance coverage is car insurance. Car insurance addresses all streets autos (motorcycles, cars and trucks and so on.). Auto insurance features a dual function, safeguarding in opposition to equally bodily harm and body injury resulting from an accident, plus any accountability that could go up in the collision.

13. Personalized Umbrella Insurance plan: You may want some extra coverage, along with insurance policies you have. Here is where personalized umbrella insurance coverage is important. This type of insurance plans are an extension to a currently current insurance plan and handles beyond the typical coverage. This insurance policy can protect different varieties of promises, such as homeowner’s or car insurance. Typically, it really is purchased in increments of $1 million which is employed only if responsibility on other plans 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!


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