Protect your income, protect your business.


What is Business Insurance?

Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.

From the day business owner starts a business, they expose themself to certain risks. Even before the first employee is hired, a business is at risk, making it important to have the right insurance in place. One lawsuit or catastrophic event could be enough to wipe out a small business before it even has a chance to get off the ground.

Fortunately, businesses have access to a wide range of business insurance types to protect them against these dangers.

Here are some of the basic coverages that you could include in your buisiness insurance policy:

General Liability 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.

Property Insurance.

If you own your building or have business personal property, including office equipment, computers, inventory or tools you should consider purchasing a policy that will protect you if you have a fire, vandalism, theft, smoke damage etc. 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.

Business owner’s policy (BOP).

A business owner policy packages all required coverage a business owner would need. Often, BOP’s will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance . Based on your company’s specific needs, you can alter 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.

Professional Liability Insurance.

This type of insurance is also known as Errors and Omissions Insurance. The policy provides defense for failure to or improperly rendering professional services. Your general liability policy does not provide this protection, so it is important to understand the difference. Professional liability insurance is applicable for any professional firm including lawyers, accountants, consultants, notaries, real estate agents, insurance agents, hair salons and technology providers to name a few.

Give us call and let us help you find the best coverages for your business insurance policy at the best price.

Bakersfield.

1310 Chamberline Ave.

Suite A

Bakersfield, CA 93305

Delano.

1420 High St.

Suite E

Delano, CA 932151

Earlimart.

497 E. Center Ave. Suite A

Earlimart, CA 93219

Perris.

802 Navajo Rd. Suite D

Perris, CA 92570

2560 Perris Blvd. Suite J2

Perris, CA 92571

Wasco

917 7th St.

Wasco, CA 93280

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PERRIS

802 Navajo Rd #B

Perris, CA 92570

(951)200-4455

Delano

1420 High St #E

Delano, CA 93215

(661)270-2500

Mercado Latino

Bakersfield

1310 Chamberlain Ave #A 

Bakersfield, CA 93305

(661)270-2500

Wasco

917 7th St

Wasco, CA 93280

(661)877-4343

Earlimart
497 E Center Ave 
Earlimart, CA 93219
(661)849-2000

 

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Auto  International Insurance Agency Inc is licensed by the state of California OL License Number #80629. Auto International Insurance Agency Inc. is not owned and operated by any government agency. Tito Placas Is Trademarked.  We are not the Department of Motor Vehicle (DMV)