Metro Solutions

 Avalon Affordable Business Owner's Policy 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 Avalon Affordable Business Owner's Policy Insurance Policy

what we offer in Avalon Affordable Business Owner's Policy Insurance Policy

1. Standard Liability Insurance: If home-based, needs to have liability insurance, every business, even. The policy provides both defense and damages 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: If you have a fire,theft and vandalism, 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 policy (BOP): A businessman plan deals all required insurance coverage an entrepreneur would want. Usually, BOP’s will incorporate enterprise disturbance insurance, house insurance coverage, automobile coverage, insurance, and crime insurance . According to your company’s particular requires, it is possible to change what exactly is incorporated into 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 Car Insurance: Professional auto insurance guards a company’s automobiles. You are able to shield autos that carry staff members, items or devices. With industrial car insurance it is possible to ensure your job SUVs, vans, cars and trucks 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. Often times the non-owned or operated might be added to the BOP plan.Avalon Affordable Business Owner's Policy Insurance Policy

5. Worker’s Payment: Worker’s payment provides insurance to workers who definitely are harmed at work. This kind of insurance coverage supplies wage replacement and health care good things about individuals who are wounded whilst doing work. In exchange for these advantages, the worker offers up his legal rights to sue his boss to the 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. All require you to have workers compensation if you have W2 employees, even though state laws will vary. Penalty charges for no-compliance can be quite stiff.

6. Professional Insurance: this sort of insurance is also known as Faults and Omissions Insurance coverage. The policy provides damages and defense to fail to or improperly rendering specialist solutions. Your general culpability insurance policy fails to offer this protection, so you should understand the big difference. Professional insurance is relevant for any specialist firm including accountants, notaries, consultants and lawyers real estate professionals, insurance plan substances, hair salons and modern technology providers to name a few..

7. Officers and Directors Insurance plan: this particular insurance plan guards the officers and directors of the company towards their actions affecting the profits or procedures from the organization. In case a director or representative of the company, as being a direct result of their activities on-the-job, realizes her or himself in the authorized scenario, this type of insurance plan can include fees or injuries lost on account of a legal action.

8. Info Infringement: 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. When a violation happens either in electronic format or from your papers document a Information Breach policy will give you safety against the reduction.

9. Homeowner’s Insurance: Homeowner’s insurance plan is among the most important types of insurance coverage you want. This sort of insurance coverage can safeguard in opposition to damage to the home and against damage to things inside of the residence. Moreover, this particular insurance policy could protect you mishaps which happen at home or could possibly have transpired due to measures of your own.

10. Renter’s Insurance plan: Renter’s insurance policies are a sub-set of homeowner’s insurance which can be applied only to all those in whose who hire their house. The coverage is guards in opposition to harm to the actual physical house, contents of the home, and private trauma inside the property.Avalon Affordable Business Owner's Policy Insurance Policy

11. Insurance Coverage: Insurance coverage safeguards someone towards death. The insurer pays a certain amount of money to a beneficiary upon your death if you have life insurance. You spend reasonably limited in return for the repayment of benefits on the beneficiary. This kind of insurance policy is vital because it allows for assurance. Experiencing life coverage enables you to realize that your family will never be troubled in financial terms upon your death.

12. Private Car Insurance: Yet another crucial kind of insurance coverage is auto insurance. Car insurance covers all highway cars (trucks, motorcycles and cars and many others.). Car insurance includes a double function, protecting in opposition to both physical harm and body trauma due to a crash, and also any responsibility that may increase in the accidents.

13. Personal Umbrella Insurance plan: You might want some extra protection, on top of insurance plans you currently have. Here is where personal umbrella insurance plan is needed. This kind of insurance coverage is an extension to an previously present insurance coverage and includes past the regular coverage. This insurance policy can protect kinds of statements, which includes homeowner’s or auto insurance. Generally, it is actually sold in increments of $1 zillion and is employed provided that liability on other policies has been tired.

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