Metro Solutions

 Azusa 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 Azusa Affordable Independent Commercial Insurance Agent Coverage

what we offer in Azusa 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 damages and defense 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 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 plan (BOP): An entrepreneur coverage deals all essential insurance a business person would want. Often, BOP’s includes enterprise disruption insurance policy, property insurance coverage, car coverage, insurance, and offense insurance policy . Based on your company’s specific needs, you are able to adjust what is contained 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. Business Auto Insurance: Commercial auto insurance guards a company’s autos. It is possible to shield autos that carry staff, merchandise or devices. With industrial vehicle insurance you can guarantee work SUVs, trucks, cars 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 times the no-owned and operated may be added to the BOP policy.Azusa Affordable Independent Commercial Insurance Agent Coverage

5. Worker’s Payment: Worker’s payment gives insurance plan to staff members who definitely are injured on the job. This sort of insurance plan supplies income replacing and health care benefits to people who are hurt whilst operating. In return for these rewards, the employee presents up his rights to sue his boss for your incident. 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 no-conformity can be quite stiff.

6. Professional Liability Insurance: this particular insurance coverage is also called Mistakes and Omissions Insurance. The insurance policy supplies defense and damages for failure to or inappropriately offering specialist services. Your general liability insurance policy fails to provide this defense, so it is essential to be aware of the big difference. Professional insurance is applicable for almost any skilled company which include consultants, lawyers, accountants and notaries real estate professionals, insurance policy brokers, head of hair salons and technology companies for example..

7. Officers and Directors Insurance policy: this particular insurance policy shields the officers and directors of your company from their activities affecting the success or functions of the organization. When a director or officer of your organization, like a direct result of their activities on the job, realizes her or himself within a lawful condition, this type of insurance can deal with fees or damages shed because of a suit.

8. Data Infringement: 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. If your violation happens both digitally or from your paper submit a Data Infringement coverage will provide defense from the reduction.

9. Homeowner’s Insurance plan: Homeowner’s insurance coverage is amongst the most important kinds of insurance you need. This sort of insurance can protect from injury to the property and against harm to items inside the property. In addition, this sort of insurance coverage may possibly shield you from incidents which happen both at home and could have took place because of activities of your.

10. Renter’s Insurance policy: Renter’s insurance plans are a sub-list of homeowner’s insurance plan which can be applied just to these as their who rent payments their house. The policy is shields towards damage to the bodily house, belongings in the house, and personal injuries within the house.Azusa Affordable Independent Commercial Insurance Agent Coverage

11. Life Insurance Coverage: Insurance coverage protects an individual towards passing away. The insurer pays a certain amount of money to a beneficiary upon your death if you have life insurance. You pay a premium in return for the payment of advantages to the beneficiary. This sort of insurance policy is extremely important since it allows for satisfaction. Having life insurance coverage lets you know that your loved ones will never be troubled monetarily with your passing away.

12. Private Automobile Insurance: An additional crucial form of insurance plans are vehicle insurance. Automobile insurance covers all streets cars (cars, trucks and motorcycles and so forth.). Automobile insurance has a dual functionality, protecting in opposition to equally bodily injury and body trauma due to a crash, and also any responsibility that may rise from your collision.

13. Individual Umbrella Insurance plan: You may want some more insurance coverage, along with insurance policies you already possess. This is when personalized umbrella insurance comes into play. This sort of insurance coverage is an extension for an already present insurance policies and includes beyond the typical coverage. This insurance plan can deal with kinds of claims, such as homeowner’s or car insurance. Generally, it can be available in amounts of $1 mil and is also employed only once liability on other insurance policies continues to be worn out.

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!

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