Metro Solutions

 Bell Affordable General Liability Insurance 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 Affordable General Liability Insurance Coverage

what we offer in Bell Affordable General Liability Insurance Coverage

1. Standard 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 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 you have a fire,vandalism and theft, smoke damage etc. 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 plan (BOP): An entrepreneur insurance policy offers all needed protection a businessman would require. Frequently, BOP’s will incorporate organization disturbance insurance plan, house insurance plan, car coverage, insurance, and offense insurance plan . Based upon your company’s certain demands, you may modify exactly what is included 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 Car Insurance: Commercial car insurance safeguards a company’s vehicles. You may shield cars that carry employees, merchandise or products. With commercial vehicle insurance it is possible to make sure your job vans, cars, SUVs and trucks from collisions and damage. 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. Frequently the no-owned may be put into the BOP policy.Bell Affordable General Liability Insurance Coverage

5. Worker’s Compensation: Worker’s compensation provides insurance policy to staff members who definitely are harmed on the job. This type of insurance plan supplies pay alternative and medical benefits to individuals who are harmed while working. In return for these positive aspects, the staff member presents up his privileges to sue his company to 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. State laws will vary, but all require you to have workers compensation if you have W2 employees. Charges for low-concurrence can be extremely inflexible.

6. Professional Insurance: this kind of insurance is often known as Mistakes and Omissions Insurance plan. The insurance plan offers damages and defense to fail to or incorrectly rendering skilled professional services. Your general responsibility plan does not offer this protection, so you should understand the distinction. Skilled insurance is applicable for just about any professional business including lawyers, notaries, accountants and consultants realtors, insurance coverage brokers, hair salons and technological innovation suppliers to name a few..

7. Directors and Officers Insurance plan: this particular insurance policy guards the officers and directors of a business towards their steps which affect the profits or functions of the organization. If a director or officer of the company, being a immediate outcome of their steps at the job, discovers him or herself in a legitimate condition, this kind of insurance policy can cover expenses or damage misplaced due to a legal action.

8. Data Violation: 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. When a breach happens possibly electronically or from a papers file a Information Violation coverage can provide security against the reduction.

9. Homeowner’s Insurance plan: Homeowner’s insurance coverage is probably the most essential kinds of insurance plan you require. This kind of insurance coverage can safeguard towards injury to the house and towards damage to items inside of the house. In addition, this kind of insurance policy may possibly guard you accidents that happen at home or could possibly have took place as a result of measures of your personal.

10. Renter’s Insurance: Renter’s insurance plans are a sub-group of homeowner’s insurance which is true just to individuals whose who hire their residence. The policy is protects against problems for the actual physical property, contents of your property, and personal damage in the home.Bell Affordable General Liability Insurance Coverage

11. Insurance Coverage: Life coverage protects an individual in opposition to passing away. The insurer pays a certain amount of money to a beneficiary upon your death if you have life insurance. You spend reduced to acquire the transaction of advantages to the beneficiary. This kind of insurance policy is essential because it provides for assurance. Having insurance coverage permits you to understand that all your family members is definitely not troubled monetarily after your death.

12. Individual Automobile Insurance: Yet another essential kind of insurance coverage is vehicle insurance. Automobile insurance addresses all road vehicles (motorcycles, cars and trucks and many others.). Auto insurance has a double operate, guarding towards each actual problems and bodily injuries as a result of a crash, as well as any culpability which may rise in the accidents.

13. Individual Umbrella Insurance plan: You might want some more protection, on top of insurance policies you have. This is where individual umbrella insurance policy comes into play. This sort of insurance plans are an extension for an previously current insurance policies and covers past the typical plan. This insurance coverage can protect different types of statements, which includes homeowner’s or automobile insurance. Usually, it is actually bought from amounts of $1 thousand and is also applied provided that accountability on other 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!

Concert or Events
Importers & Exporters
Law Firms
Print Shops
Real Estate
Salon & Spas
Security Company
Technology Services
Transportation & Trucking