Metro Solutions

 Baldwin Park Affordable Commercial 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 Baldwin Park Affordable Commercial Insurance Policy

what we offer in Baldwin Park Affordable Commercial Insurance Policy

1. Standard Insurance: Every business, even if home-based, needs to have liability insurance. 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. House Insurance policy: 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. Business owner’s policy (BOP): A business person plan bundles all necessary insurance coverage a business owner would need. Often, BOP’s includes company disruption insurance coverage, house insurance policy, motor vehicle insurance coverage, insurance, and crime insurance policy . Depending on your company’s distinct needs, you can adjust exactly what is a part of 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 Automobile Insurance: Professional auto insurance shields a company’s automobiles. You may protect autos that carry workers, merchandise or gear. With business car insurance it is possible to guarantee work cars, vans, trucks and SUVs 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 no-owned or operated could be included with the BOP insurance policy.Baldwin Park Affordable Commercial Insurance Policy

5. Worker’s Payment: Worker’s reimbursement offers insurance to staff that are injured at the job. This particular insurance coverage offers wage substitute and healthcare advantages to those who are harmed while functioning. In return for these advantages, the worker gives up his legal rights to sue his company to 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-concurrence are often very rigid.

6. Skilled Insurance: this sort of insurance is also known as Problems and Omissions Insurance coverage. The plan gives damages and defense for failure to or improperly offering skilled services. Your current responsibility coverage does not supply this protection, so you should be aware of the distinction. Specialist insurance is relevant for virtually any specialist company which include notaries, accountants, lawyers and consultants real estate agents, insurance policy brokers, hair salons and technologies service providers among others..

7. Directors and Officers Insurance policy: this particular insurance shields the officers and directors of the company towards their actions that affect the profitability or operations in the organization. In case a director or official of the firm, like a direct consequence of their activities at the job, discovers him or herself in the legitimate condition, this particular insurance coverage can protect charges or problems misplaced as a result of a lawsuit.

8. Information Breach: 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. In case a breach takes place both in electronic format or from a pieces of paper file a Info Infringement insurance policy can provide safety from the loss.

9. Homeowner’s Insurance plan: Homeowner’s insurance is one of the most significant kinds of insurance you want. This particular insurance policy can protect from injury to the home and against injury to things in the property. Additionally, this type of insurance policy may protect from crashes that happen both at home and could have happened because of activities of your own.

10. Renter’s Insurance coverage: Renter’s insurance is a sub-list of homeowner’s insurance policy which applies just to these as their who hire their home. The coverage is guards towards damage to the actual physical property, belongings in the home, and personal injuries in the house.Baldwin Park Affordable Commercial Insurance Policy

11. Life Insurance: Insurance coverage safeguards someone against 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 exchange for the payment of advantages on the beneficiary. This kind of insurance is extremely important mainly because it enables reassurance. Experiencing life coverage enables you to know that all your family members will never be troubled monetarily with your loss of life.

12. Private Car Insurance: Another very important kind of insurance coverage is automobile insurance. Automobile insurance addresses all streets automobiles (trucks, motorcycles and cars and so forth.). Auto insurance includes a two functionality, guarding from the two bodily injury and body injuries resulting from an accident, plus any responsibility that could climb from the accident.

13. Individual Umbrella Insurance coverage: You might want some more insurance coverage, along with insurance coverages you already possess. Here is where individual umbrella insurance is necessary. This sort of insurance plans are an extension for an presently current insurance plan and includes beyond the regular plan. This insurance policy can cover different kinds of statements, which include homeowner’s or auto insurance. Generally, it is bought from amounts of $1 thousand and it is utilized provided that liability on other policies is 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