Metro Solutions

 Avalon Affordable Independent Commercial Insurance Agent 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 Avalon Affordable Independent Commercial Insurance Agent Coverage

what we offer in Avalon Affordable Independent Commercial Insurance Agent Coverage

1. Basic 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. Property Insurance: 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,theft and vandalism, 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. Company owner’s plan (BOP): A business person insurance policy packages all required insurance a businessman will need. Typically, BOP’s includes business disruption insurance policy, residence insurance plan, motor vehicle insurance coverage, liability insurance, and offense insurance . Based upon your company’s specific demands, you may alter exactly what is included 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. Industrial Automobile Insurance: Professional vehicle insurance safeguards a company’s autos. You may safeguard cars that carry employees, goods or devices. With industrial auto insurance you can guarantee your work trucks, vans, SUVs and cars 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. Frequently the non-possessed might be included in the BOP policy.Avalon Affordable Independent Commercial Insurance Agent Coverage

5. Worker’s Compensation: Worker’s payment offers insurance policy to staff who are wounded at work. This kind of insurance coverage offers pay replacement and health-related good things about individuals who are injured while doing work. In exchange for these rewards, the staff member gives up his privileges to sue his workplace 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. Penalties for non-agreement can be extremely rigid.

6. Specialist Liability Insurance: this kind of insurance is also called Faults and Omissions Insurance policy. The policy gives damages and defense to fail to or poorly making specialist providers. Your general responsibility plan does not give this defense, so it is very important be aware of the variation. Specialist insurance is relevant for almost any expert company including notaries, accountants, consultants and lawyers real estate brokers, insurance policy agents, head of hair salons and modern technology service providers to mention a few..

7. Directors and Officers Insurance policy: this particular insurance plan protects the officers and directors of any business towards their activities which affect the profitability or surgical procedures of the firm. In case a director or police officer of the company, as being a primary consequence of their activities at the job, finds her or himself within a lawful situation, this kind of insurance plan can include costs or injuries lost as a result of a legal action.

8. Details 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. When a infringement takes place possibly in electronic format or from the pieces of paper data file a Info Infringement coverage will give you protection up against the decrease.

9. Homeowner’s Insurance coverage: Homeowner’s insurance is probably the most essential kinds of insurance you will need. This sort of insurance can protect from damage to the property and in opposition to injury to products within the house. Additionally, this particular insurance coverage may possibly guard you against mishaps that happen both at home and could have took place due to steps of your very own.

10. Renter’s Insurance: Renter’s insurance is a sub-list of homeowner’s insurance coverage which applies only to all those whose who hire their residence. The coverage is safeguards towards damage to the bodily house, valuables in the property, and private damage in the home.Avalon Affordable Independent Commercial Insurance Agent Coverage

11. Life Insurance: Life coverage shields an individual in opposition to death. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You pay a premium in return for the payment of advantages on the beneficiary. This particular insurance plan is vital as it provides for peace of mind. Experiencing life coverage allows you to recognize that all your family members will never be troubled financially after your loss of life.

12. Individual Car Insurance: An additional crucial sort of insurance plans are automobile insurance. Automobile insurance covers all streets cars (cars, trucks and motorcycles and so forth.). Vehicle insurance includes a twin functionality, protecting against the two physical injury and body injury caused by an accident, plus any responsibility that could increase in the collision.

13. Personal Umbrella Insurance coverage: You might want some more protection, in addition to insurance policies you currently have. This is why private umbrella insurance policy is necessary. This type of insurance is an extension to an previously current insurance policy and includes beyond the standard coverage. This insurance policy can deal with different kinds of promises, such as homeowner’s or automobile insurance. Normally, it is sold in increments of $1 zillion and is used provided that culpability on other policies continues to be 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