Thinking of Bundling Your Insurance? Here's What You Need to Know

Thursday, August 13, 2015

Odds are you've heard the word "bundling" in some of those insurance commercials on TV.  And, if you've been paying careful attention, you know that buying two policies from the same insurance company -- like your car insurance and your homeowner's insurance, for example -- can save you a bunch of money on your monthly premiums.

In fact, Consumer Reports recently did some rese Read More..


Get the lowest rate in California!

Wednesday, November 25, 2015

We follow the highest industry standards to safeguard the confidentiality of your personal information and secure the transmission of your information from your computer.
 All insurance quotes are checked manually for accuracy and applicable discounts.
For immediate assistance, call us: (562)714-9424

Business & Commercial Insurance

Wednesday, November 25, 2015

Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Business & Commercial Insurance Information

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

General Liability

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided
  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don’t include coverage for workers’ injuries.

News Center

Wednesday, November 25, 2015

NOTICE: The links and articles found on or within this news center are simply for informational purposes that we believe may be of benefit to our clients and/or website visitors. By providing these links on our website, we are not recommending or endorsing the use of the particular products or services these third parties offer. Nor does Shift Insurance confirm, corroborate or agree to the statistics or opinions on these links and articles. We urge you to review each website’s Privacy Policy, Disclaimers, and develop an independent opinion of the service or product for any link pursued.

home maintenance

6 Home Maintenance Projects That Can Make Your Insurance Cheaper

Wednesday, November 4, 2015

Insurance companies aren’t simply in the business of paying out money for claims.  Yes, that’s a big part of what they do, but they also work hard to try and prevent claims from being filed in the first place.  Specifically, they’ll go out of their way to give you a discount on your monthly premiums if you do certain things that lower your chances of suffering a loss. Read More..

condo insurance

5 Real-Life Reasons Why You Need Condo Insurance

Wednesday, November 4, 2015

If you live in a condo, you may think that your association has taken care of all of your insurance needs.  However, the association’s insurance policy only covers the exterior of the building.  If you want coverage for the inside of your condo – including all of your personal belongings – you’ll need to invest in your own condo insurance policy. Read More..

california home and auto insurance

Thinking of Bundling Your Insurance? Here’s What You Need to Know

Friday, August 7, 2015

Odds are you've heard the word "bundling" in some of those insurance commercials on TV. And, if you've been paying careful attention, you know that buying two policies from the same insurance company -- like your car insurance and your homeowner's insurance, for example -- can save you... Read More..

car insurance guide

The Definitive Guide to Car Insurance

Friday, July 3, 2015

You’re not buying a soda.  You’re protecting your financial well being...and the choices you make could affect you for the rest of your life. But before explaining how complex auto insurance products are, let’s talk about... Read More..


© 2015 Shift Insurance. All Rights Reserved. Privacy policy | Terms of Use | Sitemap
Designed & Developed By: Openwave Computing