Metro Solutions

 Bell Gardens Affordable General Liability 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 Bell Gardens Affordable General Liability Insurance Policy

what we offer in Bell Gardens Affordable General Liability Insurance Policy

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. Home 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. 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 coverage (BOP): A business person plan bundles all essential coverage a business owner would require. Often, BOP’s will include company disturbance insurance plan, property insurance plan, automobile coverage, insurance, and criminal activity insurance . Depending on your company’s certain requires, you can modify what exactly is contained 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. Professional Vehicle Insurance: Commercial car insurance protects a company’s cars. You are able to shield autos that have workers, merchandise or gear. With professional automobile insurance you are able to ensure your job cars, SUVs, vans 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-possessed might be put into the BOP coverage.Bell Gardens Affordable General Liability Insurance Policy

5. Worker’s Compensation: Worker’s settlement supplies insurance to staff that are hurt on-the-job. This sort of insurance plan offers salary alternative and health-related benefits to individuals who are injured when operating. In return for these positive aspects, the employee provides up his rights to sue his workplace to the occurrence. 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. Charges for low-compliance can be quite rigid.

6. Professional Insurance: this particular insurance policies are often known as Problems and Omissions Insurance coverage. The policy provides defense and damages to fail to or improperly providing skilled providers. Your general responsibility insurance policy does not provide this defense, so you should understand the difference. Specialist insurance is relevant for any skilled firm such as accountants, consultants, lawyers and notaries real estate agents, insurance coverage agencies, your hair salons and technological innovation providers among others..

7. Officers and Directors Insurance: this sort of insurance guards the officers and directors of a firm against their activities that affect the earnings or surgical procedures of your business. If your director or official of the firm, as being a immediate outcome of their actions at the job, finds him or herself inside a authorized situation, this kind of insurance plan can cover charges or problems shed due to 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 either electronically or from a pieces of paper document a Information Infringement insurance policy can provide defense against the reduction.

9. Homeowner’s Insurance plan: Homeowner’s insurance coverage is probably the most essential forms of insurance you will need. This particular insurance policy can protect against damage to the home and towards harm to products in the residence. Moreover, this sort of insurance policy could guard you from mishaps which happen both at home and may have happened due to measures of your own.

10. Renter’s Insurance coverage: Renter’s insurance plans are a sub-pair of homeowner’s insurance plan which can be applied simply to individuals whoever who lease their residence. The policy is shields against problems for the bodily residence, items in your property, and private injury throughout the house.Bell Gardens Affordable General Liability Insurance Policy

11. Life Insurance: Life insurance guards an individual towards death. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You spend reasonably limited in return for the transaction of benefits towards the named beneficiary. This kind of insurance is very important mainly because it permits assurance. Getting life insurance lets you realize that all your family members will not be burdened economically upon your death.

12. Personalized Automobile Insurance: An additional crucial kind of insurance policies are auto insurance. Automobile insurance addresses all street cars (motorcycles, cars and trucks and so on.). Auto insurance features a two functionality, guarding in opposition to both actual physical damage and bodily injury as a result of a crash, as well as any responsibility that could climb in the accidents.

13. Personalized Umbrella Insurance: You might want some additional insurance coverage, along with insurance plans you already have. This is why personal umbrella insurance plan is necessary. This type of insurance coverage is an extension to an previously existing insurance policies and includes past the standard insurance policy. This insurance plan can include different kinds of claims, which include homeowner’s or automobile insurance. Usually, it is actually purchased in increments of $1 mil and is also employed only once culpability on other insurance policies has become 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