For over thirty years, we have been providing tailored business insurance and employee benefits plans to local Santa Clara businesses. We offering a full range of solutions for City of Santa Clara businesses. We help in selecting the right solutions for your business. Some of our business insurance areas of expertiseare listed below.
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. For many
businesses, this is one of the largest exposures.
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 used up. It can provide additional liability for certain risks that would not be covered by the primary insurance policy.
Professional Liability Insurance
Provides 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.
Property and Equipment Insurance
Property insurance covers items like your buildings, leasehold improvements, signage, equipment and personal property.
Commercial Earthquake Insurance
Most Santa Clara commercial property policies exclude coverage for earthquake damage.
Worker's Compensation
A California State mandated form of insurance covering Santa Clara workers injured in job-related accidents.
Employee Benefits including Health
Insurance
Employee Benefits
often consist of Health, Dental, Vision Insurance; Worker's
Compensation; State Disability; Social Security; Unemployment; Sick Leave and
Vacation.....
more
...
Commercial Auto Insurance
This insurance covers your business autos, or employees while they use their personal autos on company business.
Employment Practices Liability
Insurance
EPLI covers businesses against lawsuits by workers for sexual harassment, discrimination, wrongful termination, breach of employment and other employee legal right infractions.
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. Fiduciary liability insurance (also referred to as ERISA liability insurance) provides coverage for breaches of fiduciary duty by ERISA plan fiduciaries.
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 (Contractor Pollution Legal Liability Coverage) .
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.
WRAP / OCIP / CCIP or "WRAP-up" Coverage
WRAP / OCIP / CCIP insurance is specific to a named project or projects. It covers all trades under one policy. The policy may include general liability insurance, workers' compensation insurance, umbrella liability insurance, payment and performance bonds, and builders' risk insurance.
Commercial Surety
A License / Permit bond that guarantees a company or individual will operate in
accordance with governmental statues, regulations and ordinances.
Construction Surety
Performance bonds assures that the contract will be performed according to its
terms and specifications.
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.