Metro Solutions

 Arcadia Affordable Realtors 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 Realtors Insurance Coverage

what we offer in Arcadia Affordable Realtors Insurance Coverage

1. Common 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 plan: 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. 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 plan (BOP): A businessman insurance policy packages all necessary coverage a business person will need. Often, BOP’s includes enterprise disturbance insurance, residence insurance plan, automobile insurance coverage, insurance, and criminal activity insurance plan . Based upon your company’s distinct needs, you are able to alter what exactly 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. Industrial Auto Insurance: Industrial automobile insurance safeguards a company’s automobiles. You may shield cars that bring staff, goods or equipment. With commercial car insurance you are able to insure your work 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 times the low-possessed could be included with the BOP insurance policy.Arcadia Affordable Realtors Insurance Coverage

5. Worker’s Settlement: Worker’s compensation supplies insurance plan to staff who happen to be hurt at the job. This kind of insurance policy gives income replacement and medical good things about individuals who are injured while doing work. In return for these benefits, the employee offers up his rights to sue his employer to the event. As a business owner, it is very important to have worker’s compensation insurance because it protects yourself and your company from legal complications. State laws will vary, but all require you to have workers compensation if you have W2 employees. Fees and penalties for non-agreement can be extremely stiff.

6. Specialist Liability Insurance: this type of insurance plans are often known as Problems and Omissions Insurance coverage. The insurance policy supplies damages and defense to fail to or inappropriately rendering skilled providers. Your general accountability policy does not give this protection, so it is important to be aware of the big difference. Specialist liability insurance is applicable for almost any skilled business including lawyers, consultants, notaries and accountants real estate agents, insurance coverage brokers, hair salons and technological innovation service providers to mention a few..

7. Officers and Directors Insurance coverage: this particular insurance policy shields the officers and directors of any organization against their activities affecting the success or operations of the organization. If your director or police officer of your own company, as being a primary result of their activities on the job, finds him or herself within a legal scenario, this kind of insurance policy can cover fees or damage dropped due to a legal action.

8. Information 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. If a breach happens either electronically or from a paper data file a Details Breach coverage can provide protection from the damage.

9. Homeowner’s Insurance coverage: Homeowner’s insurance is one of the most essential types of insurance policy you require. This kind of insurance coverage can safeguard against injury to the house and in opposition to problems for goods in the property. Furthermore, this particular insurance might shield you from mishaps that happen both at home and could possibly have happened as a result of steps of your very own.

10. Renter’s Insurance policy: Renter’s insurance policies are a sub-group of homeowner’s insurance plan which applies just to these whoever who hire their property. The coverage is guards against damage to the actual residence, contents of the property, and private injuries inside the residence.Arcadia Affordable Realtors Insurance Coverage

11. Life Insurance Coverage: Life coverage guards a person in opposition to death. The insurer pays a certain amount of money to a beneficiary upon your death if you have life insurance. You pay limited in return for the settlement of benefits towards the beneficiary. This particular insurance plan is vital since it enables peace of mind. Getting insurance coverage allows you to know that your family will never be burdened financially after your dying.

12. Private Automobile Insurance: An additional extremely important form of insurance is vehicle insurance. Car insurance addresses all street vehicles (cars, trucks and motorcycles and so forth.). Car insurance features a twin function, protecting against equally physical harm and bodily injuries caused by a crash, and in addition any culpability that may increase from your collision.

13. Private Umbrella Insurance plan: You might want some extra insurance, on top of insurance coverages you currently have. Here is where personalized umbrella insurance policy is necessary. This kind of insurance plans are an extension to an currently existing insurance policy and handles beyond the typical policy. This insurance coverage can cover different types of claims, including homeowner’s or automobile insurance. Usually, it really is sold in increments of $1 million and it is employed only when culpability on other plans continues to be fatigued.

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