THE PROTECTION YOU NEED FOR YOUR BUSINESS
We’re here to work with our commercial customers to find the coverage you need to protect your business, assets and employees.
We put our years of experience to work for your business so you know you’ll end up with the right coverage at the right price.
We’re here to make your commercial insurance experience hassle-free and easy to understand.
HOW TO FIND THE RIGHT COVERAGE FOR YOUR BUSINESS
Every business needs to protect themselves from accidents or injuries that may occur on their business grounds. General Liability insurance coverage can protect your California business from these unexpected expenses.
GENERAL LIABILITY
There are many different plans and options when choosing a General Liability plan, and our experienced agents at Roman Insurance Services can assist you in finding the right plan at the right budget. If you have the right liability insurance plan in place, you can be protected if you face a lawsuit. Certain California businesses face more risk of accidents or injuries, so doing an analysis of your business can help in finding the best General Liability plan that fits your needs.
California General Liability insurance, along with your property and work comp policies, protects your business if you’re sued for personal injury or property damage. A typical policy will cover those accidents or damages that occur on-site or as a result of using goods or services sold by the company. In addition, coverage can be designed to cover additional costs like attorney fees or court costs.
COMMERCIAL AUTO
Commercial Auto Insurance insures your vehicles for physical damage and liability coverage for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance.
If an auto is used in tasks related to the operator’s occupation, profession or business, other than commuting, a commercial policy is necessary.
If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy.
A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.
Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy.
A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership.Though similar to a personal auto policy, there are differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverage, exclusions, and limits.
BUSINESS OWNER’S POLICY (BOP)
A BOP combines different coverage into one policy to protect your small to medium-size business assets.
Business Owners Policies in California include:
Property coverage – protecting your building and contents that are owned by the company.
Liability protection – covering the company’s products or operations that may result in the damage or injury to another.
Business Interruption – this protects your company from fire or other accident that may result in loss of income or operation of the company.
Other coverages – may include equipment breakdown, crime, liability, signage