business insurance

Business and Commercial Insurance

Located in the San Francisco Bay Area, Bozzuto Insurance Services has been providing business insurance to all types of businesses throughout California for over twenty five years.

       ■ Child Care Business, Day Care Center Insurance
           Offering our tailored Priority One Program
       ■ Non Profit Insurance
       ■ Assisted Living Facility Insurance
       ■ Mental Health Facility Insurance
       ■ Foundation Insurance

Check out our Priority One Program for the child care business industry.

We are committed to providing the best service and available coverage for your business, whether it be for child care business / day care center insurance; non profit insurance; assisted living facility, mental health facility or foundation insurance. We have a dedicated team for these important business sectors.

Bozzuto Insurance Services are specialists in business needs, offering a full range of insurance and group benefits solutions. We can help in selecting the proper solutions for your unique business situation. Here are some of our business insurance areas of expertise along with a summary definition of each coverage.

General Liability Insurance
     Liability insurance protects the assets of a business when it is sued for something it is
     liable for by causing an injury or property damage. Covered general liability claims can
     include bodily injury, property damage, personal injury, and advertising injury (damage
     from slander or false advertising). The insurance company can cover compensatory and
   general damages as well. Punitive damages aren't covered because they're considered to
     be punishment for intentional acts.

     Transferring risk is what it's all about ! For many businesses, this is one of the
     largest exposures. General Liability insurance comes in many different
     "shapes and sizes", we can tailor a program specific to your needs and risk
     tolerance. Price, coverage and your company's specific requirements help us
     develop an attractive insurance program designed just for your needs !

Worker's Compensation
     A California State mandated form of insurance covering workers injured in job- related
     accidents. It's right up there with payroll and taxes. Finding the best price is only half the
     battle. In addition, we help you keep those costs down by providing Claims
     Administrations, Experience Modification Analysis and Safety/Loss Control
     assistance. We have access to just about every insurance carrier in California
     including some exclusive programs.

WRAP / OCIP / CCIP or "WRAP-up" Coverage
     Have a multi-unit project and can't get subs to bid ? Whether you are a sub, GC or
     developer, you need to know what you are getting with these programs.

     WRAP / OCIP / CCIP insurance is specific to a named project or projects. It covers all trades
     under one policy. All WRAPS aren't created equal, Bozzuto's staff has unique expertise in
     negotiating WRAP-ups.

     The policy may include general liability insurance, workers' compensation insurance,
     umbrella liability insurance, payment and performance bonds, and builders' risk insurance.
     By insuring all under one policy, premiums are reduced, coverage can be increased and
     duplication of coverages is avoided.

Umbrella / Excess Liability Insurance
     Umbrella, or excess liability insurance, provides additional liability coverage
     (above general liability limits) for specific risks once a policy's coverage limit has been
     exhausted. It also provides additional liability for certain risks that would not be covered by
     the primary insurance policy.

Property and Equipment Insurance
     Property insurance covers items like your buildings, leasehold improvements, signage,
    equipment and personal property. It can include coverage for employee theft, forgery
     and/or dishonesty. There may also be coverage for contract penalties assessed against
     you if you can not complete the work because the property being installed was damaged
     by a covered loss.

     Equipment breakdown insurance covers repair and replacement costs of the insured
     equipment - items like computers, air-conditioners, water heaters and electrical systems.

Commercial Auto Insurance
     This is important insurance to get right the first time. We help select the options that apply
     to your business risks. This insurance covers your business autos, or employees
     while they use their personal autos on company business. There are other coverage
     enhancements that may be needed as well for permanently installed electronic equipment,
     rental autos, lease gap coverage and more...

Professional Liability Insurance
     We can ease your executive protection worries by covering you with a tailored program
     of professional liability insurance. Coverage in risk areas like - employment practices
     liability, errors & omissions, Directors & Officers liability, crime / financial fidelity, fiduciary
     liability and Internet liability.

Directors and Officers Liability Insurance
     Directors and Officers Liability Insurance is insurance payable to the directors and officers
     of a company, or to the corporation itself, to cover damages or defense costs in the event
     they are sued for wrongful acts while they are (were) with that company. Directors and
     Officers Liability insurance is commonly purchased with a companion product "Company
     Reimbursement Insurance".

Commercial Earthquake Insurance
     Commercial earthquake insurance can be very important in California, where earthquakes
     are a fact of life. Most commercial property policies exclude coverage for earthquake
     damage (including earthquake sprinkler damage, etc.). If you own office, industrial or
     apartment property in California, consider purchasing earthquake coverage.

Fidelity and Fiduciary Insurance
     A fidelity bond provides coverage for dishonest and/or fraudulent acts of employees that
     could arise in the course of handling money or securities of others. A fidelity bond may
     also be referred to as an employee dishonesty bond. One variation of the fidelity bond is
     the ERISA fidelity bond which provides coverage for dishonest and/or fraudulent acts of
     trustees.

     Fiduciary liability insurance (also referred to as ERISA liability insurance) provides
     coverage for breaches of fiduciary duty by ERISA plan fiduciaries. Unlike the fidelity bond,
     fiduciary liability insurance offers plan fiduciaries protection of personal assets.

Pollution Coverage
     There are various forms of environmental insurance from cleaning up a site or future
     pollution liability of a site  (Pollution Legal Liability) to construction projects which cover
     environmental conditions that occur during and as a result of the construction project
     work. This second insurance program is controlled by the contractor (Contractor Pollution
     Legal Liability Coverage) . These policies are generally more aggressive in providing mold
     coverage than with the Pollution Legal Liability insurance.

Business Continuation Insurance
     Business continuation insurance covers the life or lives of employees whose
     demise would have a substantial financial impact on the surviving organization’s ability to
     function and prosper in its future, typically these might be persons who have essential
     management, marketing, financial or technical expertise.

     For instance - should a partner/corporate officer die or become disabled, business
     continuation insurance provides cash to the surviving partners/stockholders to continue
     the business or purchase the stock or interest of the deceased or disabled partner.

Group Benefits including Group Health
     Second to payroll, employee benefit costs are often the highest expense item in a
     company's financial statement. We recognize that all companies' benefit needs are not the
     same. We provide each client with a personalized Market Analysis based on their unique
     circumstances. We become an extension of your Human Resources Department by
     providing new employee enrollment, eligibility, COBRA administration, and claims resolution.

     Benefits represent a large percentage of an employee's total cost. Worker's
    Compensation, State Disability, Social Security, Unemployment, Sick Leave and Vacation
     time are all benefits provided by you, the employer. This employer "value" is recognized
     and highlighted by Bozzuto Insurance Services providing each of your employees with a
     personalized Bene-Check illustrating not only the cost of their traditional benefits
     (health, dental, vision, etc) but also the cost of all the other valuable benefits.

Construction Surety
     Bozzuto Insurance Services has a long and deep understanding of the construction
     industry which allows us to offer you the best insurance products and services.
     Here are some of the types of bonds offered :

       - Performance bonds : assures that the contract will be performed according to its
         terms and specifications. If not, the bond generally obligates the surety to either
         1) finance the contractor, 2) undertake completing the project, 3) tender another
         contractor to the owner... or pay the bond penalty.
       - Payment bonds : assures that a contractor will make prompt and full payment for
         labor and material consumed on a project.
       - Maintenance bonds : assures a project will remain free of defects in workmanship
         or materials for a specific period of time.

Commercial Surety
     Let us help you decide on the right bond coverage to minimize your business risks.
     Here is a common example of a commercial bond we offer :

     A License / Permit bond that guarantees a company or individual will operate in
     accordance with governmental statues, regulations and ordinances. There are
     numerous obligation scenarios depending on the specific bond.

Risk Management
     Our experienced team can help in you in your company's risk management - identification,
     assessment, avoidance, reduction and acceptance. We align coverages with exposures,
     identify coverage gaps, offer insurance and non-insurance risk control options and
     quantitatively determine costs of risk.

Claims Management
    We are here for you before, during and after the claim. A courteous and concerned claims
    person will walk you through the entire claims process. We will follow up with the
    insurance carriers to make sure your claim is assigned quickly. You will receive constant
    communications on the status of your claim until closed. At the conclusion of every claim, a
    survey is sent to you so we can track our progress.

Employment Practices Liability
    This insurance is important if you have employees. This EPLI coverage was created in
    response to major legal changes in the 1990's regarding the Civil Rights Act of 1991,
    Americans with Disabilities Act, and the Family Medical Leave Act, all of which provided
    employees significantly more rights when dealing with their employers. This insurance is
    targeted to cover businesses against lawsuits by workers for sexual harassment,
    discrimination, wrongful termination, breach of employment and other employee legal right
    infractions.