Business and Commercial Insurance for California Businesses
Get a Business or Workers Comp Quote; call us for quick quote.
Businesses present unique exposures for insurers, so it is harder to
generalize about coverages. The categories of policies listed below are only
an outline of the coverages available through our carriers.
Whatever your commercial insurance needs, we can design a protection program
that's right for you.
No matter how large or small your business, you need insurance. Professional
Insurance can design an insurance program for the smallest home based
business to large national and foreign companies. Business Insurance is our
specialty. Professional Insurance represents over 25 insurance companies to
insure your liability and property insurance. Our workers compensation
department represents 20+ national and regional companies.
Professional Insurance has agents who specialize in every segment of the
business community who can help design a cost effective insurance program to
protect you and the unique characteristics of your business.
Click on one of the classes of business below to get a better understanding
of the types of coverages and policies your business should consider buying.
Wholesalers & Distributors
Restaurants, Bars, Taverns & Night Clubs
Auto Repair, Body Shops, Quick Lube, Gas Stations etc.
Apartments, Condominiums, Homeowner's Association, Planned Unit
Professional Offices, Doctors, Lawyers, Accountants etc
Construction & Engineering, Artisan, General, & Subcontractor
Internet & Technology Services, Computer Programmers and Software
Professional Services and Consultants
Click on one of the links below to learn what these different types of
policies insure against and some of the ins and outs of business insurance.
Where available we have also provided sample claim scenarios.
General Liability Insurance
Cyber Liability for Website Owners and Developers
Director’s & Officer’s Liability Insurance
Professional Liability Insurance (Errors & Omissions)
Employee Benefits Liability Insurance
Representations & Warranties Liability Insurance
Media Liability Insurance
Liquor Legal Liability
Business Owner's Policy (BOP)
Inland and Ocean Marine
Mechanical Breakdown Insurance
Business Auto Insurance
Workers Compensation Insurance
Employment Related Practices Liability Insurance
Fiduciary Liability Insurance
Other Types of Policies:
Garage Liability including Garagekeeper's
Foreign Liability, Property, and Workers Compensation Insurance
Kidnap & Ransom Insurance
Life Insurance for your Business
Accident & Injury Insurance
Pre Paid Legal
It is important to make sure your insurance program covers the basics.
Always consult with an insurance professional to tailor a program to fit
your business insurance needs.
However it is equally important for every business owner to understand
common policy exclusions.
There are many different factors to take into consideration when purchasing
insurance for an apartment building. Insurance for actual damage to the
building and property is only a part of it. The apartment owner must also
take into consideration liability insurance: the owner of an apartment
building is liable for injuries that occur to tenants and guests on the
bodily injury and medical insurance, which pays for the initial batch of
medical payments for any injured party. Both these types of insurance are
required by law for all apartment building owners. Liability insurance can
also cover litigation costs if necessary.
Getting Apartment Building
Insurance Apartment building insurance should also cover repairs and
maintenance. The building owner is responsible for maintaining the apartment
building on all fronts: structural, mechanical, and electrical. Repairs to
plumbing, heating and air conditioning, and electrical systems are standard
in any apartment building. There is also insurance coverage to help an
apartment building comply with local building and health codes. Insurance
can include loss of income as well, for up to 12 months, if an apartment
building is unable to sustain as many tenants for a period of time due to
repairs or renovations. Plate glass in the apartment building is covered
separately from everything else.
For more information on Apartment Building Owner Insurance,click
A commercial automobile insurance policy is required under most
circumstances when the vehicle is used for business purposes and meets
certain other requirements. It is not just the registration that determines
the requirement for a business automobile insurance policy. Other
requirements are ownership by a corporation, use in hauling goods for hire,
and gross vehicle weight of the vehicle. Some small trucks can be owned and
insured under a personal automobile insurance policy under specific
automobile insurance policies are not regulated in pricing, as are private
passenger policies. There is price competition between insurance companies
for good commercial automobile insurance.
Business Owners Package policy, commonly called a "BOP" contains many of the
insurance coverages needed by most small businesses. While these policies
are not standard, there is great variation from insurance company to
insurance company; there are certain common elements. The basic BOP offers
business property for both building and contents, and liability insurance
protection for the operation of your business. This liability protection
will generally include both the operation of your business, at its
established location, and the liability from your products or completed
Some, but not all of the policies, will also offer
business income and extra expense protection after an insured loss. BOP
policies do not contain all of the coverages needed by a small business.
Notably they do not cover any workers' compensation, professional liability,
or business vehicle coverage.
If your business suffers a property loss it could cause the business to slow
or close down while repairs are made. This may mean a complete or partial
revenue loss depending on the time frame and the damage. From the time the
loss occurs until your business is running again, insurance can replace your
lost profits, and provide a source of money to pay your necessary continuing
expenses, like rent, payroll, taxes, etc.
Commercial Property protects your business against the loss or loss of use
of company property. "Property" can include a variety of types: lost income
or business interruption, buildings, computers, money, and valuable papers.
Most package policies provide a liability insurance limit of $1 million for
any one loss and $2 million in any one year. For many businesses, this limit
is inadequate for real economic security. As a result, additional layers of
protection in million-dollar increments are readily available in today's
insurance market for most businesses.
One potentially confusing issue in condominium associations is who
insures what. In the past, most condominium association policies would cover
whatever the association owned. Other association policies extended coverage
into the units - for example, the sheetrock walls and ceiling, the plumbing,
and the electrical within each individual unit. Association policies would
often be written broad enough to cover the floor, kitchen cabinets,
appliances, and carpeting.
In recent years, with the rising cost of insurance claims and the
ambiguous language in some association CC&R's, insurance coverage has
changed dramatically. Many condominium documents specifically detail what is
to be covered - - for example: roof repair and replacement only. In this
instance, the documents are explicitly pointing out that all other structure
is not covered.
A Master Package Policy will generally include property coverage that can be
Bare walls – coverage for the common elements,
usually excludes property within the unit such as interior walls,
permanently installed appliances, fixtures, finishings, floors and ceilings
Single entity – coverage for the common elements, usually includes
initially installed property in accordance with the association's original
plans and specifications
All in – coverage for the common elements, plus initially installed
property, plus improvements and betterments made at the expense of the unit
should survey and identify owned property which is to be covered by the
association master insurance package:
Buildings – residences, clubhouses, garages, carports; Building
definition could include foundations, pipes, wires, conduits, utilities,
heating, cooling, security systems, machinery and equipment, balconies,
porches, decks, and patios
Other property – could include antennas, indoor/outdoor furnishings,
signs, landscaping, fine art.
Non-covered property – could include bridges, roadways, walks,
Common causes for the loss of covered property are categorized
– this is known as an “all risk” form and usually provides coverage for all
perils, except those specifically excluded, such as flood, earthquake,
war/military action, nuclear reaction
Broad form – this includes loss as a result of fire, lightning, wind,
smoke, hail, vandalism, sprinkler leakage, accidental discharge of water,
collapse of building
Basic form – most limited coverage of the three types of coverage
In the event of a loss of covered property, the payment of the
policyholder will be valued based on:
Guaranteed Replacement Cost – replacement cost with no limit and does
not state a specific property limit
Replacement Cost – payment for the loss is based on the actual
replacement and may be limited to stated value
Actual Cash Value – loss payments are based on the cost of new product,
less depreciation and usage
A deductible will apply to the property insured in the association's
policy. The deductible could be on an occurrence basis, or could apply
separately to each building or unit. There may be different deductibles for
the different covered property. One aspect of the deductible to consider is
how the deductible will be handled with the unit owner. Unless the
association documents specify who is responsible, the association or the
unit owner, then the association should adopt a policy which describes the
circumstances under which a unit owner would be responsible for paying the
important that the association Board and its management company understand
the scope of the association coverages. Homeowners should be advised on what
is covered. Even where the association covers improvements, alterations,
fixtures and appliances within units, it is advisable for the homeowner to
continue to carry coverage on their own separate policy.
Contractor's General Liability
Contractor's General Liability insurance is for residential and commercial
builders, general contractors, construction managers, design and build
firms, specialty contractors or subcontractors, owners or public and private
We offer contractor policies for every type of project:
Builders risk insurance and course of construction
General liability insurance
Directors & Officers Liability Insurance
Directors and Officers Liability Insurance provides financial protection for
the directors and officers of your company in the event they are sued in
conjunction with the performance of their duties as they relate to the
company. Think of Directors and Officers Insurance as a management Errors
and Omissions policy.
Directors and Officers Insurance is often confused with Errors & Omissions
Liability. The two are not synonymous; Errors & Omissions is concerned with
performance failures and negligence with respect to your products and
services, not the performance and duties of management. Generally it is a
good idea to carry both Directors and Officers Liability Insurance and
Errors and Omissions Liability Insurance.
Employment Practices Liability Insurance otherwise known as EPLI is
insurance that helps protect you against claims from your employees that
result from the general conduct of your business. Common examples of
employee related claims include claims relating to:
Hostile Working Environment
Lack of Advancement
General Liability Insurance
Normally, it is difficult for businesses or general contractors to work
without general insurance. General liability insurance is intended to guard
operators and owners of companies from claims that may come from a broad
spectrum of sources. These exposures could be just about anything, including
liability engendered by accidents from the operations of the insured party,
contractual liability, products manufactured by the insured party, etc.
The liability you select, whether it is one, two, or three million dollars,
determines the cost of general liability insurance. Also factored into the
rates are the kind of work undertaken, gross receipts and total payroll
expenses. Similar to auto insurance, when it comes to general liability
insurance, you will first have to make a down payment and then follow it up
with installments. Before buying general liability insurance, it is best to
compare the quotes available in the market.
It is the business owner's or general contractor’s job to make sure that the
people working under him/her are covered by an insurance policy. If for
example, a person who is not a part of the project gets injured, the injured
person’s lawyer can target just about anyone involved in the project. The
more individuals that are involved, the greater the chances of a successful
Running a hotel in today's competitive environment is a big challenge.
Getting the proper business insurance at a reasonable price can be
frustrating and time consuming.
Sun Insurance and Financial Associates offers specialty insurance programs
designed specifically for hospitality industry. We offer protection that
goes beyond the industry standard forms used by many insurance companies.
If you own an investment property, you should make sure that you carry
adequate insurance coverage. Accidents may occur and ultimately cause damage
to your investment property. If you do not have the necessary insurance, you
will be responsible for the full financial cost.
Owning an investment property brings with it a large degree of liability. In
addition to the building itself, you may be responsible for injuries
received by others while they are on your property. You could also be held
responsible for damage to their belongings.
Kidnap & Ransom
As your company expands globally, so do your exposures. Companies with
international operations and executives or staff who travel internationally
may be targets for kidnappers and extortionists.
While no one can predict where or when a kidnapper or extortionist might
strike, there are steps that you can take to protect your executives and
families and prepare for a possible threat. A Kidnap & Ransom policy should
be an integral part of your risk management program.
The Kidnap & Ransom policy will provide coverage for the following:
Ransom and extortion payments as a result of a kidnapping or extortion
Loss of the ransom or extortion payment while being delivered.
Expense coverage as a result of a ransom or extortion demand which
includes fees and expenses of independent negotiators, and travel and
Legal liability coverage protection in the event it is alleged the
insured was negligent in a hostage retrieval.
Political threat coverage for expenses when a person is wrongfully
detained by anyone acting for a government or with the government's
Liquor Liability Insurance is designed to provide liability insurance
protection for those businesses who manufacture, distribute, or sell liquor.
You need liquor liability insurance if you sell liquor and your business is
In today’s challenging healthcare marketplace, we can help guide you to
better results and a higher set of expectations with our value added
services. We understand your struggle to deliver quality health care and
avoid medical malpractice claims. Working in partnership with your practice,
we will address affordability issues regarding medical malpractice
insurance, while improving safety and quality.
Product liability insurance protects you in case a product you produce or
provide causes harm to a user or a user's property. A "product" is anything
that is tangibly used, touched, or consumed. This type of insurance is
recommended for every business that manufactures a product, but is
especially important for companies that produce food, clothing, toys or
anything else that could conceivably cause harm to someone.
Most business owners policies include limited product liability coverage.
If, for some reason, you do not have this coverage through a business
owner's policy and your product runs the risk of inflicting harm on other
people, you may need to buy product liability separately. Similarly, if your
product presents a higher risk of injury (for example, it contains a
hazardous material), you may need to purchase additional coverage.
Professional Liability Errors & Omissions (E & O)
Professional liability insurance, also sometimes referred to as Errors and
Omissions, is insurance to protect you and your company in the event a
client alleges they have suffered a financial loss as a result of an error
or an omission committed by you in the delivery of your professional
services. Professional liability coverage is separate from a General
Liability (GL) policy which would cover you mainly for bodily injury or
property damage liability.
The general or public liability policy provides protection for claims of
liability that are made by third parties. The policy provides defense
protection even if the allegations are groundless. In addition the policy
will pay any judgment up to the policy limit of coverage.
Today’s restaurant environment is more complex than ever and you want to
know you’re covered for the unexpected occurrence.
Whether you run a small cafe or a national chain, you could be held liable
for anything from contaminated or spoiled food to spilled coffee. That’s why
you deserve an insurance company with commercial restaurant insurance
coverage specifically designed for the risks you face.
Eligible classes include, but are not limited to:
Whether you are planning a corporate event, holding a large rock concert, or
organizing a local flower festival, you will need special event insurance to
ensure that you are covered for unexpected occurrences that may spoil the
success you and your company may receive when the big day arrives.
We work with many of the country's top-rated surety companies to secure:
Contract Payment and Performance Bonds
Fidelity Bonds on Employees
Code Compliance Bonds
Judicial and Court Bonds, including estate guardianship and repletion
Professional Service Bonds
Many companies are unaware that their current business and insurance
policies most likely do not cover them for all of their technology-related
risks. Our technology insurance portfolio offers coverage options tailored
to fit your company's unique needs.
In today's technology-driven world, companies face a number of dynamic
exposures. Whether it is faulty software, inappropriate advice,
mis-configured firewalls or inadequate anti-virus software, hardware failure
- companies are increasingly at risk. Claims are growing rapidly, leaving
companies liable for expensive lawsuits.
Wholesalers & Distributors
Sun Insurance and Financial Associates offers a broad range of coverages that
are cost-effective and perfectly tailored for your business requirements if
wholesaling or distributing. Get coverage specifically designed for today's
wholesalers and distributors.
Our programs for wholesalers and distributors include exacting risk
assessment and loss control expertise that can help reduce insurance costs
for everyone from the small supplier to the large distributor.
Workers' compensation insurance protects employers from claims resulting
from injuries to employees. It protects your business from lawsuits and
provides employees with compensation for on-the-job injuries.
By law, most employers are required to provide coverage for lost wages and
medical bills incurred as a result of on-the-job accidents or illnesses. For
many businesses, this coverage is the largest part of its insurance expense.