Business Insurance: Of the many types of insurance, none is more important to the small and large business owner. A business can not operate effectively without the knowledge that if it suffers a loss, it will be made whole again by its insurance. As there are many different kinds of businesses, you will find many different classes of business policies. As a quick example, a manufacturer is responsible for the "Products" it manufactures. In comparison, a retailer of the product, may seek coverage for "Products Liability" from the manufacturer of the product it is selling. As a retailer of foreign made goods, you could be responsible for the "Products Liability for injury to people or Property" caused by the product you are selling.

Most insurance carriers have some sort of "Niche" in which they prefer to do business. For example, Restaurants, delicatessens, bars, night clubs. You will find many carriers offering "BOP" (Business Owners Policies). Most Bops have similar coverage and structure, however, the "Bells and whistles" included or available may vary greatly. Some policies will include Money coverage, In & Out, Glass insurance, Business Income and actual loss sustained, Umbrella and auto insurance all in the one policy.

Other types of business insurance may include the following classes: Office, Retail, Wholesale, Service, Institutional, Non-Profit, etc... Although most policies look the same, feel the same, and probably taste the same, you should be ready to disclose many details of your operations to your insurance professional. Your business may be unique, and not the same as your neighbor's. You may need coverage that is different, or customized to your specific business needs.

Many other policies are available: A small list follows; Contractors, Manufacturers, Commercial autos, Inland Marine (Tools & Equipment), Ocean Marine, Dwellings under course of construction, Crime, Workers compensation, dishonesty, Bonds, Surety, Health Insurance, Buy-Sell programs, Professional Liability, Errors and Omissions, Directors and officers, etc...

Click on the link below to fill out a quote request form for a California business insurance policy that provides excellent business insurance coverage and services at an affordable cost. Or you can speak with our Epstein Insurance Services agent to discuss the features.

Click here to fill out a California Business Insurance policy quote request form.

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