Business Insurance

What is Business Insurance ?

Barragan Insurance Agency offers the best rates on commercial business insurance. Commercial business insurance provides a wide variety of protection for businesses. Commercial business insurance takes care of property, liability, professional liability, technology, and worker’s compensation along with numerous other types of specialized insurance needs.  Liability insurance provides coverage for damages to third parties, while property insurance covers damages to business property and products stored within the business premises, and workers’ compensation insurance covers employee injuries.

 

What is Commercial Auto Insurance?  

Barragan Insurance Agency provides the best rates on commercial auto insurance. Commercial auto insurance policies are required under most circumstances when the vehicle is used for business purposes and meet certain circumstances other requirements It not just the registration that determines the requirement for a business auto insurance policy. Other factors are involved such as corporate ownership, use in hauling goods for hire (ie. Courier Service), and the auto’s  gross vehicle weight.  Some small trucks can be owned and insured under a personal auto insurance policy under specific circumstances.

 

What is a Business Owners Package?

Barragan Insurance Agency provides the best insurance rates for Business Owners Packages. A Business Owners Package policy is commonly called a BOP. Business Owners Packages (BOP) covers a business’s general liability coverage and Business property. In addition to general liability and business property, a BOP usually includes crime, glass, equipment breakdown, sign coverage and non-owned or hired auto coverage.

 

Barragan Insurance Agency provides Business Owners Packages. A Business Owners Package policy is commonly called a BOP. Business Owners Packages (BOP) cover a business’s general liability coverage and business property. In addition to general liability and business property, a BOP usually includes crime, glass, equipment breakdown, sign coverage and non-owned or hired auto coverage. What types of business’ need a Business Owners Policy?

    • Apartments
    • Buildings (Commercial)
    • Car Repair Garages
    • Offices – Accountants, Auditors, Bookkeepers, Dentists, Dental Specialists, Lawyers, Doctors, Physicians and Surgeons, Chiropractors,  Optometrists, Veterinarians. Pet Grooming, Real Estate, Tax Preparation, Ticket and Travel Agency
    • Restaurants – Fine Dining, Buffets, Ethnic Cuisine (Asian, Italian, Mexican, Indian, Other) – family style, take out
  • Shops – Barber, Beauty Parlor, Nail Salon, Coffee, Dry Cleaning, Laundry, Engraving, Funeral Parlor, Locksmith, Packaging and Mailing Services, Print Shop, Donut Shop,
  • Stores – Grocery, Retail, Clothing, Bagel Store, Bakery, Candy, Nut and Confectionery, Card, Stationary,  Discount Store, Florist, Furniture, Gift Shop, Hardware,  Ice Cream, Frozen Yogurt, Lawn, Garden, Outdoor Fixtures, Optical Goods, Shoe Store, Sporting Goods

 

What is Commercial General Liability Insurance?

Commercial general liability insurance coverage  provides protection from claims of bodily injury or property damage.   Commercial general liability insurance protects the assets of a business when it is sued for something it did (or didn’t do) to cause an injury (such as serious bodily harm or even death for another person) or property damage.  Commercial general liability insurance policies generally include liability protection for services or products completed by your company.

Examples of business’s that typically need to carry Commercial General Liability Insurance

Large Contractors  – Bridge Contractors, Concrete Contractors, Fire sprinkler contractors, General Contractors, Highway, Street and Road contractors, Mechanical contractors, Millwright Contractors, Plumbing Contractors, Tile Contractors, Underground Utility Contractors.

Artisan Contractors – AC & Refrigeration, HVAC, Carpentry (Interior/ Woodwork/ Shop), Debris Removal, Drywall Installation, Fencing, Garage Door Installation, General Contractor (Structural), Handyman (under $500 per job), Janitorial, Masonry, Sheet Metal, Swimming Pool Cleaning, Appliance & accessory Installation, Concrete (Flat only- no foundations), Door and Window Installation, Electrical, Floor Coverings, General Contractor (Non-structural), Glass Installation / Glazers, Landscape, Painting (Interior / Exterior), Siding and Decking, Tile & Marble Installation

What is Commercial Property?

Commercial Property insurance protects your business against the loss or loss of use of company property. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

   

What is Worker’s compensation Insurance?

Barragan Insurance Agency offers the best insurance rates on workers' compensation insurance. Workers' compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

Employers by law are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses for their employees.  Work comp insurance coverage is the largest part of most businesses insurance expense.

 

 What is Professional Liability Insurance?

Barragan Insurance Agency offers the best insurance rates for  Professional Liability Insurance.  Professional Liability Insurance or Errors and Omission Insurance (E&O Insurance) covers individuals who provide professional services, such as physicians and lawyers, from losses they incur as a result of being held responsible for the losses of their clients. This could result from claims of malpractice, error, or mistake committed or alleged committed by the insured in his professional capacity.

 

 

 What is Technology Insurance?

Barragan Insurance Agency offers the best insurance rates on Technology Insurance.  Today’s world is driven by technology.  More and more companies are increasingly being put at risk for various technology issues. Technology companies face a number of different exposures from faulty software, to bad advise, firewalls that weren’t configured correctly, to anti-virus software that was not adequate to properly protect hardware.  Technology claims are rapidly growing leaving companies liable for costly lawsuits.

 

 

 

Should you have any questions, please phone us at 916-984-9320.  You may also send us an mail to: Info@barraganinsurance.com

Barragan Insurance Agency

1132 Suncast lane Ste 8

El Dorado Hills, 95762

Phone: 916-984-9320

Fax: 916-984-8013