Metro Solutions

 Bell Gardens 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 Bell Gardens Affordable Independent Commercial Insurance Agent Coverage

what we offer in Bell Gardens Affordable Independent Commercial Insurance Agent Coverage

1. Standard Liability 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,theft and vandalism, 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. Organization owner’s coverage (BOP): A businessman plan bundles all needed coverage a business person will need. Usually, BOP’s would include business disturbance insurance policy, house insurance plan, vehicle insurance coverage, insurance, and offense insurance . Based upon your company’s specific requirements, it is possible to modify exactly 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. Professional Auto Insurance: Commercial car insurance shields a company’s automobiles. You are able to protect automobiles that carry staff members, products or products. With professional auto insurance you are able to guarantee work trucks, vans, cars 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 non-owned might be included in the BOP insurance policy.Bell Gardens Affordable Independent Commercial Insurance Agent Coverage

5. Worker’s Payment: Worker’s settlement provides insurance coverage to workers that are wounded on-the-job. This particular insurance plan provides pay substitute and medical good things about those people who are injured although operating. In return for these benefits, the employee offers up his rights to sue his boss for the occurrence. As a business owner, it is very important to have worker’s compensation insurance because it protects yourself and your company from legal complications. All require you to have workers compensation if you have W2 employees, even though state laws will vary. Penalties for no-compliance can be extremely stiff.

6. Expert Insurance: this kind of insurance is also called Mistakes and Omissions Insurance. The insurance plan offers defense and damages for failure to or improperly offering expert providers. Your general culpability insurance policy fails to offer this defense, so you should comprehend the distinction. Specialist liability insurance is applicable for virtually any professional business which includes notaries, consultants, lawyers and accountants real estate professionals, insurance substances, locks salons and modern technology service providers to mention a few..

7. Directors and Officers Insurance: this sort of insurance coverage protects the officers and directors of a organization in opposition to their activities that affect the success or surgical procedures of your business. In case a director or official of the organization, as a primary reaction to their steps at work, locates her or himself in a legal scenario, this particular insurance policy can include costs or damages misplaced as a result of a court action.

8. Details Infringement: 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 breach takes place both in electronic format or from a paper document a Information Infringement plan will provide safety against the damage.

9. Homeowner’s Insurance: Homeowner’s insurance plan is probably the most important kinds of insurance policy you want. This sort of insurance policy can safeguard towards problems for the property and against injury to things inside the property. Furthermore, this particular insurance policy might shield you from crashes which happen at home or may have occurred as a result of steps of your own.

10. Renter’s Insurance coverage: Renter’s insurance coverage is a sub-set of homeowner’s insurance coverage which can be applied only to those whoever who rent their house. The policy is protects in opposition to damage to the actual residence, contents of the property, and private trauma inside the house.Bell Gardens Affordable Independent Commercial Insurance Agent Coverage

11. Life Coverage: Life insurance coverage guards a person towards passing away. The insurer pays a certain amount of money to a beneficiary upon your death if you have life insurance. You spend a premium in exchange for the payment of benefits for the beneficiary. This kind of insurance policy is vital since it allows for peace of mind. Getting life coverage enables you to know that your family will never be burdened financially upon your dying.

12. Private Car Insurance: Yet another extremely important type of insurance coverage is car insurance. Car insurance covers all street vehicles (trucks, motorcycles and cars and so forth.). Vehicle insurance features a dual functionality, shielding towards each physical injury and bodily injuries due to an accident, plus any liability that might go up through the accident.

13. Personalized Umbrella Insurance policy: You might want some additional insurance, on the top of insurance coverages you already possess. This is why personal umbrella insurance coverage is needed. This sort of insurance policies are an extension with an already present insurance policy and includes past the standard insurance policy. This insurance can protect different varieties of claims, which include homeowner’s or vehicle insurance. Normally, it really is sold in amounts of $1 mil and is applied only once responsibility on other insurance policies has become fatigued.








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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