Metro Solutions

 Avalon Best Contractors 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 Best Contractors Insurance Policy

what we offer in Avalon Best Contractors Insurance Policy

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 damages and defense.

2. House Insurance coverage: 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. Enterprise owner’s insurance policy (BOP): An entrepreneur coverage bundles all required insurance coverage a business person will need. Frequently, BOP’s includes enterprise disturbance insurance, property insurance policy, car insurance, liability insurance, and criminal activity insurance coverage . Based on your company’s particular requirements, it is possible to alter 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. Commercial Auto Insurance: Business auto insurance guards a company’s automobiles. You may protect autos that bring staff, items or products. With industrial auto insurance you may make sure your job cars, SUVs, trucks and vans 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. Often the low-owned or operated can be added to the BOP plan.Avalon Best Contractors Insurance Policy

5. Worker’s Compensation: Worker’s compensation offers insurance to workers that are harmed at work. This kind of insurance provides salary replacing and health-related advantages to those people who are hurt when operating. In exchange for these advantages, the staff member offers up his privileges to sue his workplace for 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. State laws will vary, but all require you to have workers compensation if you have W2 employees. Penalties for no-conformity can be quite stiff.

6. Specialist Insurance: this sort of insurance coverage is often known as Errors and Omissions Insurance coverage. The insurance plan supplies defense and damages to fail to or improperly providing skilled providers. Your general liability plan is not going to supply this defense, so you should know the difference. Skilled liability insurance is applicable for virtually any expert organization which includes accountants, lawyers, consultants and notaries real estate agents, insurance coverage brokers, hair salons and technologies service providers to name a few..

7. Directors and Officers Insurance: this sort of insurance coverage guards the officers and directors of the firm from their steps affecting the earnings or functions from the business. When a director or official of the firm, like a straight consequence of their steps on-the-job, locates her or himself inside a legitimate scenario, this type of insurance plan can deal with expenses or problems misplaced as a result of a lawsuit.

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 your infringement happens both electronically or coming from a paper submit a Data Infringement coverage will offer safety up against the decrease.

9. Homeowner’s Insurance plan: Homeowner’s insurance is among the most essential forms of insurance coverage you will need. This type of insurance plan can safeguard against problems for the home and towards problems for goods within the property. Additionally, this particular insurance could shield you crashes which happen at home or could possibly have occurred as a result of activities of your own.

10. Renter’s Insurance plan: Renter’s insurance is a sub-pair of homeowner’s insurance policy which is true simply to individuals in whose who lease their property. The coverage is safeguards from damage to the actual physical property, contents of the home, and private injury inside the property.Avalon Best Contractors Insurance Policy

11. Life Insurance: Life insurance shields a person against passing away. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You spend a premium in exchange for the payment of advantages for the named beneficiary. This kind of insurance coverage is extremely important mainly because it permits peace of mind. Getting life coverage enables you to understand that all your family members will never be burdened in financial terms after your loss of life.

12. Private Car Insurance: One more extremely important type of insurance policies are auto insurance. Automobile insurance includes all street cars (motorcycles, trucks and cars and so on.). Auto insurance has a twin work, protecting in opposition to each actual physical injury and bodily trauma as a result of a crash, and also any responsibility that might climb in the accidents.

13. Individual Umbrella Insurance policy: You may want some extra coverage, on the top of insurance coverages you already possess. Here is where individual umbrella insurance coverage is important. This sort of insurance policies are an extension with an already pre-existing insurance policy and addresses beyond the regular coverage. This insurance plan can deal with kinds of boasts, including homeowner’s or automobile insurance. Usually, it is purchased in increments of $1 zillion which is employed provided that 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