Metro Solutions

 Bell Affordable Professional 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 Professional Liability Insurance Coverage

what we offer in Bell Affordable Professional Liability Insurance Coverage

1. Basic Liability Insurance: Every business, even if home-based, needs to have liability insurance. 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, the policy provides both defense and damages.

2. Home Insurance plan: 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 plan (BOP): A business person plan packages all necessary coverage a business owner would want. Often, BOP’s will incorporate organization interruption insurance policy, home insurance policy, vehicle insurance, insurance, and criminal offense insurance . Depending on your company’s certain requirements, it is possible to adjust precisely what 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 Car Insurance: Business car insurance protects a company’s vehicles. It is possible to guard vehicles that hold staff, products or gear. With industrial auto insurance you can ensure work vans, SUVs, cars 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-possessed may be put into the BOP insurance policy.Bell Affordable Professional Liability Insurance Coverage

5. Worker’s Payment: Worker’s compensation offers insurance to staff members who happen to be harmed at work. This particular insurance plan supplies salary replacement and health care benefits to those people who are hurt when functioning. In return for these rewards, the worker provides up his rights to sue his boss for your 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. All require you to have workers compensation if you have W2 employees, even though state laws will vary. Fees and penalties for no-conformity can be quite rigid.

6. Specialist Liability Insurance: this type of insurance coverage is often known as Faults and Omissions Insurance coverage. The insurance plan gives damages and defense to fail to or inappropriately offering skilled professional services. Your current accountability policy is not going to give this safety, so you should comprehend the variation. Skilled liability insurance is applicable for almost any specialist company including lawyers, notaries, accountants and consultants real estate professionals, insurance substances, your hair salons and technology suppliers for example..

7. Officers and Directors Insurance plan: this type of insurance policy guards the directors and officers of a business towards their measures which affect the earnings or surgical procedures of the organization. In case a director or police officer of your business, like a straight outcome of their activities on the job, realizes him or herself in the legitimate scenario, this type of insurance can protect costs or problems dropped on account of a suit.

8. Info 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. If a infringement happens sometimes in electronic format or from a paper data file a Data Violation coverage will offer safety from the decrease.

9. Homeowner’s Insurance: Homeowner’s insurance policy is amongst the most essential sorts of insurance you want. This particular insurance can protect towards damage to your home and against injury to things within the house. Moreover, this type of insurance coverage may safeguard you against accidents which happen at home or could possibly have happened as a result of activities of your.

10. Renter’s Insurance coverage: Renter’s insurance plans are a sub-set of homeowner’s insurance which can be applied merely to those whose who rent their property. The coverage is shields from problems for the actual physical property, items in the property, and personal damage within the residence.Bell Affordable Professional Liability Insurance Coverage

11. Life Insurance: Life insurance coverage safeguards an individual against dying. The insurer pays a certain amount of money to a beneficiary upon your death if you have life insurance. You pay a premium to acquire the settlement of benefits to the named beneficiary. This type of insurance coverage is vital because it permits assurance. Experiencing insurance coverage permits you to know that all your family members will not be burdened in financial terms upon your loss of life.

12. Private Automobile Insurance: One more crucial type of insurance plans are vehicle insurance. Car insurance covers all streets autos (motorcycles, cars and trucks etc.). Auto insurance includes a dual functionality, safeguarding towards both actual physical damage and body injury resulting from a crash, as well as any accountability that may increase in the accidents.

13. Individual Umbrella Insurance policy: You might want some further protection, along with insurance coverage you currently have. This is when individual umbrella insurance coverage is needed. This kind of insurance plans are an extension with an previously existing insurance policy and handles beyond the regular coverage. This insurance policy can cover kinds of boasts, which includes homeowner’s or car insurance. Typically, it really is sold in amounts of $1 mil and is employed only if responsibility on other policies is exhausted.

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