Metro Solutions

 Bell Best Elpi 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 Best Elpi Insurance Coverage

what we offer in Bell Best Elpi Insurance Coverage

1. General 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. Home 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): An entrepreneur insurance policy packages all essential insurance a business owner would require. Usually, BOP’s includes company interruption insurance coverage, home insurance coverage, car protection, insurance, and criminal offense insurance policy . Depending on your company’s certain needs, you are able to adjust precisely what is included 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. Business Car Insurance: Business automobile insurance protects a company’s automobiles. You can protect automobiles that carry staff, merchandise or gear. With professional auto insurance you may insure your job cars, trucks, SUVs and vans 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. Frequently the non-possessed could be added to the BOP coverage.Bell Best Elpi Insurance Coverage

5. Worker’s Payment: Worker’s settlement gives insurance policy to workers who are injured at work. This kind of insurance policy offers income replacing and healthcare good things about people who are harmed when doing work. To acquire these positive aspects, the employee gives up his legal 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. Charges for no-agreement can be very inflexible.

6. Specialist Insurance: this particular insurance plans are often known as Errors and Omissions Insurance coverage. The insurance policy offers defense and damages to fail to or incorrectly rendering specialist services. Your current accountability policy does not offer this safety, so it is important to be aware of the variation. Professional liability insurance is applicable for any professional company which include consultants, lawyers, notaries and accountants real estate agents, insurance policy brokers, hair salons and modern technology companies to mention a few..

7. Directors and Officers Insurance: this type of insurance policy protects the officers and directors of any company from their activities that affect the earnings or operations of the firm. If your director or official of your company, as being a direct reaction to their steps on-the-job, locates him or herself in a authorized condition, this particular insurance can cover fees or damages dropped on account of a suit.

8. Information 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 a breach occurs either digitally or from a paper data file a Data Breach coverage will give you defense against the loss.

9. Homeowner’s Insurance policy: Homeowner’s insurance coverage is among the most significant types of insurance you require. This kind of insurance plan can safeguard from problems for the house and against injury to goods inside the property. Additionally, this kind of insurance may safeguard you from mishaps which happen both at home and could possibly have happened on account of actions of your very own.

10. Renter’s Insurance: Renter’s insurance coverage is a sub-set of homeowner’s insurance coverage which is applicable just to individuals whose who rent their house. The policy is safeguards in opposition to injury to the actual physical house, items in the home, and personal trauma in the house.Bell Best Elpi Insurance Coverage

11. Insurance Coverage: Life coverage protects a person in opposition to loss of life. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You spend reasonably limited in exchange for the payment of advantages for the beneficiary. This type of insurance coverage is vital since it permits satisfaction. Possessing life insurance coverage allows you to know that your loved ones will never be burdened financially upon your death.

12. Individual Car Insurance: Yet another extremely important type of insurance policies are automobile insurance. Automobile insurance addresses all road cars (trucks, motorcycles and cars and so forth.). Auto insurance carries a two functionality, safeguarding against both bodily injury and physical damage due to an accident, as well as any accountability which may climb from your collision.

13. Individual Umbrella Insurance coverage: You might want some further coverage, along with insurance coverages you currently have. This is why individual umbrella insurance plan is necessary. This sort of insurance policies are an extension for an presently pre-existing insurance plan and covers past the regular coverage. This insurance plan can protect different types of promises, such as homeowner’s or auto insurance. Normally, it is actually available in increments of $1 million which is used only when accountability on other insurance policies has become 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