COVERAGES WE SUPPLY

GENERAL LIABILITY

What is General Liability Insurance?

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General Liability Insurance is necessary to protect any business from accidents or damages to any third party and is imperative in keeping a long-lasting and successful business. Whether you are a carpenter, electrician, plumber, landscaper, etc., there is always a risk that comes along with working around others and their property. General Liability insurance gives you peace of mind and provides protection from many unfortunate happenings that may occur in the workplace. However, General Liability insurance does not cover any injuries you or your employees may sustain while on the job. It will only provide protection for any physical or non-physical harm that may befall a third party such as:

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• Bodily Injury​

• Property Damage

• Loss of Income

• Personal and Advertising Injury

• Pain and Suffering

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Liability insurance is a must and will reassure any client that you have a professional and responsible business that will not only take ownership of its mistakes but will also be able to compensate for them. Make sure you have the proper coverage to protect your business so that you never find yourself in a hole you can't get out of. 

WORKER'S COMPENSATION

What is Worker's Compensation Insurance?

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Worker's Compensation Insurance is vital in protecting a business and its employees. Legally required in most states, Workman's Comp or Work Comp as its otherwise known, serves as coverage in the unfortunate event of an accident, illness or death that may occur to any employee in the workplace. Getting stuck without the proper coverage can end up costing you more in the long run. Depending on the severity of the claim, the cost can reach to the tens of millions of dollars which could devastate and bankrupt businesses in a heartbeat. However, with Worker's Compensation insurance, you would be guaranteed coverage on: ​

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• Medical Expenses

• Loss of Income

• Survivor Benefits

• Retraining

• Permanent Injury

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In order for a machine to function, the cogs within it must keep spinning. It is the understanding of that fact that serves as a reminder that the proper protection is necessary in order to cover any unwanted occurrences that may arise in the workplace. Allow yourself and your employees the safety and security provided by Worker's Compensation by requesting a free quote today. 

BOND

What is a Bond?

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All contractors must have a Bond in the amount of $15,000 in the state of California and are required to file it with the CSLB in order to remain licensed. A Contractors License bond is a type of surety bond that would most accurately be described as an advanced loan or a line of credit. It provides protection to the contractor, the company that hired them, and the state bond issuing agency in case of a claim. (i.e. A contractor lands a job and they use that money to finish up an ongoing job that they have. The client that hired them ends up finding another contractor that will do it for less so now the contractor has to refund the client that money. In a case like this where the contractor already used up the money, and he doesn't have the money on hand to pay the client, the client can go after the contractor's bond).​

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When you acquire a bond you make a promise that you will abide by all the rules, laws, and regulations under state and federal law as a contractor and if a violation is made to said laws the licensing board may file a claim against the bond. When a claim occurs, the surety company investigates the claim and its validity and will provided compensation to the claimant up to the full amount of the bond purchased and the contractor will then have to repay the surety for the coverage it has provided. 

EQUIPMENT