Metro Solutions

 Bell Best 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 Best General Liability Insurance Coverage

what we offer in Bell Best General Liability Insurance Coverage

1. Standard 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,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. 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. Organization owner’s plan (BOP): A businessman plan bundles all necessary protection a business person would want. Usually, BOP’s will incorporate business interruption insurance coverage, home insurance policy, automobile coverage, liability insurance, and criminal offense insurance coverage . Based on your company’s particular requires, you can adjust what is a part of 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: Industrial auto insurance protects a company’s autos. You can guard automobiles that hold staff, merchandise or gear. With business auto insurance it is possible to ensure your job trucks, cars, SUVs and vans 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. Many times the low-owned and operated could be put into the BOP insurance policy.Bell Best General Liability Insurance Coverage

5. Worker’s Compensation: Worker’s settlement gives insurance policy to workers that are injured at the job. This kind of insurance plan gives wage replacement and healthcare advantages to those who are harmed while working. In return for these benefits, the staff member presents up his legal rights to sue his workplace to the accident. It is very important to have worker’s compensation insurance because it protects yourself and your company from legal complications, as a business owner. State laws will vary, but all require you to have workers compensation if you have W2 employees. Penalties for low-compliance can be extremely stiff.

6. Skilled Insurance: this kind of insurance is also referred to as Problems and Omissions Insurance. The policy gives defense and damages to fail to or improperly making expert solutions. Your current culpability coverage fails to supply this defense, so it is essential to be aware of the variation. Skilled insurance is relevant for any skilled organization including accountants, notaries, consultants and lawyers realtors, insurance policy agents, your hair salons and technology providers to name a few..

7. Officers and Directors Insurance policy: this sort of insurance protects the directors and officers of the firm from their actions which affect the profits or surgical procedures in the company. When a director or representative of your respective organization, like a straight result of their actions at the job, locates her or himself within a lawful condition, this particular insurance coverage can deal with charges or damages dropped because of a lawsuit.

8. Data Violation: 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 infringement takes place either in electronic format or from your pieces of paper file a Details Violation policy can provide security against the reduction.

9. Homeowner’s Insurance: Homeowner’s insurance policy is one of the most essential forms of insurance plan you need. This type of insurance policy can protect from harm to the house and against problems for products within the property. Moreover, this sort of insurance coverage could guard from incidents that happen both at home and may have took place on account of measures of your very own.

10. Renter’s Insurance policy: Renter’s insurance coverage is a sub-group of homeowner’s insurance which is applicable just to these as their who hire their home. The coverage is guards towards damage to the actual physical residence, belongings in the home, and personal injuries within the home.Bell Best General Liability Insurance Coverage

11. Life Insurance: Insurance coverage protects somebody 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 pay limited in return for the transaction of benefits towards the named beneficiary. This particular insurance policy is extremely important since it permits reassurance. Getting life insurance enables you to recognize that all your family members will never be burdened monetarily with your death.

12. Private Automobile Insurance: One more essential sort of insurance coverage is vehicle insurance. Car insurance includes all street vehicles (trucks, cars and motorcycles and so forth.). Vehicle insurance has a double functionality, protecting from each actual physical harm and physical damage resulting from an accident, and also any liability that might rise from the accident.

13. Personal Umbrella Insurance plan: You may want some additional protection, in addition to insurance coverages you already possess. This is where personal umbrella insurance is needed. This particular insurance is an extension to an already current insurance policies and includes past the regular policy. This insurance policy can include different varieties of boasts, such as homeowner’s or vehicle insurance. Normally, it is actually sold in amounts of $1 zillion and is also applied provided that accountability on other insurance policies is worn out.

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