Business Insurance

Many states require individuals to purchase vehicle insurance to protect their cars. Car insurance is mandated for good reason- if you get into an accident, you and the other driver involved will be thankful you have coverage. If you are a business owner whose company has a fleet of vehicles, the same auto insurance needs still apply.

Even if your employees use company cars for both business and personal use, it would be good to look into purchasing a commercial vehicle policy for your business. If the business is the owner of the vehicle, make sure the name of the business appears on the policy as the “principal insured” rather than your name.

Whether your company needs to purchase a commercial auto insurance policy is dependent on the type of driving its employees do. Our agents will sit down with you and explain your business’s vehicle insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars, and if some employees will be using their own cars for company work and travel.

We understand that you may have questions about the type of coverage that may be right for you. Our friendly agents will walk you through your insurance shopping, and search the country to find you the best rate. Contact us today or call to learn more about your options- or get a free commercial auto insurance quote right now!

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Commercial property insurance could well be one of the most important coverages you buy when it comes to protecting the future of your business. But to fully enjoy its benefits, you have to understand the parameters of the coverage. How does this differ from other business insurance solutions?

Commercial property insurance is designed to protect:

• Your building or office
• Your inventory
• Any outdoor signage
• Landscaping and fencing
• Additional structures

Barnett & Associates Insurance and Financial Services stands ready to help you and your business thrive. To learn more about the details, rates, and exclusions of Commercial Property Insurance, feel free to speak to any of our knowledgeable agents today.

Contact us now.

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Did you know all states require businesses to carry policies for workers compensation? California companies can rely on Barnett & Associates Insurance and Financial Services for solid California workers compensation insurance. Every business has a legal requirement to keep their employees safe while at work. By holding a policy for workers compensation, California businesses can protect themselves and their employees if anything is to happen during work hours. Barnett & Associates Insurance and Financial Services is ready to guide you through the process of determining what kind of California workers compensation insurance coverage your business needs. From small businesses to major conglomerates, we have the answer for you. It is imperative to protect your organization with workers compensation. California workers comp coverage is available through Barnett & Associates Insurance and Financial Services. Our agents will provide you with consultation to ensure you have the ideal program in place.

Each state has specific requirements for businesses regarding how extensive their workers compensation policy must be. At Barnett & Associates Insurance and Financial Services, our agents are well trained on laws involving workers compensation in California and can proficiently determine your ideal coverage. Without the appropriate California workers compensation insurance analysis, you risk facing monetary fines or even criminal charges. You need to understand your rights and those of your employees if they are injured or become ill while working for you – we will outline what will qualify you for the appropriate CA workers comp insurance coverage.

Regardless of whether you have a California business insurance package, California workers compensation insurance must be purchased as a separate policy. A California workers comp plan can provide your company and its employees with the following:

• Medical expenses
• Lost income/wages
• Rehabilitation costs
• Death benefits
• And more…

CA workers compensation coverage can save you and your organization from major employee issues as well as financially damaging lawsuits. Barnett & Associates Insurance and Financial Services can help you look out for your company’s best interest.

Contact us for your personalized California workers compensation insurance quote today!

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Does your business have enough liability coverage? Can your business ever have too much? General liability is one of the most pervasive policies on the market today – and for good reason. It provides coverage for liability issues resulting from personal and advertising injury, including medical expenses.

It addresses accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, it can be designed to cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

Your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability line:

Protection of your business’ property from:

• Fire
• Theft
• Vandalism

Claims due to:

• Bodily injury
• Property Damage
• Negligence

You can learn more about general liability for businesses by speaking to one of our knowledgeable agents today…

Contact Barnett & Associates Insurance and Financial Services for more general liability information now.

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