Metro Solutions

 Arcadia Affordable Group Medical 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 Arcadia Affordable Group Medical Insurance Coverage

what we offer in Arcadia Affordable Group Medical 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 defense and damages.

2. Residence 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. Enterprise owner’s coverage (BOP): A business person insurance policy offers all necessary insurance a business person would need. Frequently, BOP’s includes enterprise interruption insurance coverage, home insurance coverage, vehicle insurance coverage, liability insurance, and criminal activity insurance . Depending on your company’s certain requirements, it is possible to adjust what exactly is contained 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. Professional Auto Insurance: Industrial car insurance shields a company’s vehicles. You can safeguard vehicles that hold workers, goods or equipment. With commercial vehicle insurance it is possible to guarantee work trucks, cars, vans 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. Many times the low-owned may be included with the BOP coverage.Arcadia Affordable Group Medical Insurance Coverage

5. Worker’s Payment: Worker’s payment supplies insurance to employees who are wounded at the job. This sort of insurance plan supplies pay replacement and health-related benefits to individuals who are wounded whilst operating. In exchange for these positive aspects, the employee presents up his proper rights to sue his company to the 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. Penalties for non-compliance can be quite stiff.

6. Expert Insurance: this type of insurance is also known as Faults and Omissions Insurance plan. The insurance plan gives defense and damages to fail to or inappropriately providing professional services. Your current accountability insurance policy does not offer this defense, so it is essential to comprehend the difference. Skilled liability insurance is applicable for any professional organization including lawyers, notaries, consultants and accountants real estate agents, insurance coverage agencies, head of hair salons and technology companies to mention a few..

7. Officers and Directors Insurance policy: this particular insurance policy safeguards the directors and officers of your company towards their activities that affect the success or functions in the company. When a director or representative of your firm, as being a immediate consequence of their activities on-the-job, discovers him or herself within a authorized scenario, this type of insurance can cover fees or injuries misplaced as a result of a court action.

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. In case a violation occurs either electronically or from the document data file a Info Violation coverage will offer defense from the decrease.

9. Homeowner’s Insurance coverage: Homeowner’s insurance plan is among the most important types of insurance policy you need. This kind of insurance policy can protect towards injury to the home and against problems for things within the residence. Moreover, this sort of insurance plan may safeguard you incidents which happen at home or could have took place due to measures of your own.

10. Renter’s Insurance plan: Renter’s insurance plans are a sub-set of homeowner’s insurance which is true simply to individuals whose who lease their residence. The policy is shields from injury to the physical home, items in your property, and personal injury throughout the house.Arcadia Affordable Group Medical Insurance Coverage

11. Life Coverage: Insurance coverage protects a person towards passing away. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You spend limited in exchange for the settlement of benefits for the beneficiary. This kind of insurance is vital as it allows for reassurance. Getting life insurance allows you to realize that your family will never be burdened economically on your death.

12. Personalized Automobile Insurance: Yet another very important form of insurance is automobile insurance. Automobile insurance handles all streets automobiles (cars, motorcycles and trucks and many others.). Automobile insurance has a dual function, guarding from both physical damage and bodily injury as a result of an accident, and in addition any responsibility that may rise through the collision.

13. Individual Umbrella Insurance coverage: You may want some additional insurance coverage, on top of insurance plans you currently have. This is why personalized umbrella insurance is needed. This sort of insurance coverage is an extension to a presently existing insurance coverage and covers beyond the typical plan. This insurance coverage can cover different types of claims, which includes homeowner’s or vehicle insurance. Generally, it really is bought from amounts of $1 zillion and is applied only when accountability on other guidelines has become 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