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6 months ago · by · Comments Off on Pay As You Owe Workers Compensation Ins.

Pay As You Owe Workers Compensation Ins.

End of Year Workers Comp. audits have you down? – Switch to Pay As You Owe Workers Compensation!

Q. Whats is Pay As You Owe Workers Comp? – Pay-as-you-go billing option for workers compensation insurance allows you to link your
payroll directly to your workers compensation premiums.
Q. Who is eligible for Pay As You Owe? – PAYO is a billing option that is available for many workers compensation policies.
Q. Does my business have to be a certain size to utilize PAYO? –  No – PAYO is available to all sized businesses.
Q. How does PAYO work? – PAYO allows your businesses to pay their workers compensation premium in real-time as you run the payroll.  PAYO
offers two payroll reporting options – your businesses can either self-report payroll at the end of each pay period or link
PAYO with one of thousands of approved payroll companies for automated premium withdrawals.
Q. Is the process complicated? – Absolutely not! PAYO has an easy to follow set up process – all you need to do is provide a few simple pieces of
information and you’re ready to go!
Q. What are the benefits of PAYO? – Benefits to businesses include:
 No down payment
 Real-time WC premium calculations
 Improved cash-flow for businesses
 Automatic premium deductions
 Reduced audit exposure due to real time premium calculations
Q. How much will PAYO cost me? – Nothing, PAYO is a free billing option available exclusively for certain workers compensation clients.

Q. How can I get started on Pay As You Owe Workers Compensation Insurance? – Contact Us!

© 2017 Domingo Ramos
 Total Client Satisfaction Insurance Brokers
 894 W. 11th. St. | Tracy, CA 95376
 Questions? Call (209) 207-0577 or (866) 968-8393

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9 months ago · by · Comments Off on What is General Liability Insurance?

What is General Liability Insurance?

After dedicating so much time and effort to your business, the last thing you need is for a disgruntled employee or client to initiate a lawsuit.

Because this is a highly litigious society, it’s essential for every business to have a good general liability policy in place. Along with property protection and workers compensation, general liability can help your business stay safe and financially stable. A general liability policy through TCS Insurance Brokers will be there to defend you when a small mishap turns into a big lawsuit.

General liability insurance protects your business when someone decides to file a lawsuit against it due to injury or property damage.

We will work with you to determine a liability policy that will fit the unique needs of your business. And as an independent insurance agency, TCS Insurance will research the top carriers for California general liability insurance to find the most comprehensive coverage for your business, at the best rate available.

What is general liability insurance?

TCS Insurance offers general liability insurance, also called commercial general liability insurance, which protects your business from third party claims for bodily injury, associated medical costs and damage to someone else’s property.
You should consider general liability insurance if you or your employees:

  • Visit a client’s place of work, or clients visit yours.
  • Have access to a client’s equipment. (i.e., a client’s server).
  • Write or speak about a client’s business.
  • Use third-party locations for any business related activities.
  • Are required to have general liability insurance before entering into a contract.

For example, while visiting a client’s office, the client trips over your briefcase and gets injured – your business may be liable. Your fault or not, our general liability insurance coverage will protect your business against covered claims by paying defense costs and any damages up to your policy limit.

Types of California General Liability Insurance from TCS Insurance Brokers

Commercial General Liability in California can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper California general liability policy through TCS Insurance Brokers, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. TCS Insurance general liability coverage’s include:

  • Professional liability insurance
  • Products and completed operations
  • Fire legal liability
  • Medical payments
  • Premises liability
  • Employer’s liability insurance, employee benefits liability and employment-related practices liability

Other types of Commercial General Liability include Garagekeepers Liability and Employment Practices Liability. If you run an auto service operation, having Garagekeepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

TCS Insurance Brokers Provides more options!

In addition to General Liability, you can rely on TCS Insurance for other insurance related to your business:

Business Insurance

Commercial Auto Insurance

Surety & Contract Bonds

Contractor’s Insurance

Umbrella Insurance

*Information on some items listed above may not be on our website. Please call for more details. *

© 2017 Domingo Ramos
 Total Client Satisfaction Insurance Brokers
 894 W. 11th. St. | Tracy, CA 95376
 Questions? Call (209) 207-0577 or (866) 968-8393

Read more

9 months ago · by · Comments Off on We Know Business Insurance!

We Know Business Insurance!

business-insurance

We know your business means everything to you. It is also important to us. As an owner of a growing business, you face tough challenges every day and TCS Insurance wants to give you one less thing to worry about – California business insurance. We’ll make sure your business is adequately protected today and well into the future.

No matter what kind of business you operate in California, TCS Insurance Brokers will make sure you can protect yourself and your employees from almost every conceivable risk that your organization may face. Property damage, lawsuits, theft, and death are just a few things that can result in serious financial loss if you are not insured.

Let the California business insurance experts at TCS Insurance Brokers work with you to see that your business is adequately covered based on risks inherent to your industry, whether you need small business insurance or large business insurance.

What Types of California Business Insurance options are there?

Business Owners Policy (BOP)

BOPs are package policies which are created for businesses that generally face the same kind and degree of risk. While we can offer you bundled insurance package at an affordable premium, we can also customize your plan to meet other unique risks your business may face.

General Liability

California general liability insurance includes a wide variety of liability exposures. General liability covers accidents that occur on your property, products sold by your business, operations completed by your business, and contractual liability.

Product Liability

If your company manufactures, wholesales, distributes, or retails a product, you may be liable for its safety. Product liability insurance protects your business against financial loss as result of a defective product that causes injury or bodily harm.

Property & Casualty

This type of insurance protects your business from financial loss due to physical damage. Along with your business real estate, your office equipment, furniture, computers, and business documents are also covered.

Information Risk Coverage

If your business stores sensitive data on internal or external networks, generates revenue online, or uses an online network to control production, manufacturing, inventory or a supply chain, then you are at risk for financial loss. Data theft, viruses, network interruption, and security breaches are among a few of the things that are covered with information risk insurance.

Professional Liability/ Errors & Omissions (E&O)

This insurance protects your company from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract.

Directors & Officers (D&O)

Depending on the nature of your business, you may want insurance that protects directors and officers from liability claims arising out of alleged errors in judgment, breaches of duty, and wrongful acts related to their professional responsibilities. These employment-related claims may involve illegal conduct or mismanagement of funds.

Business Travel Insurance

If your employees are required to travel for business, you can get limited contracts covering travel-related risks. Travel insurance can cover accidents, illnesses, injuries, canceled flights, lost luggage and inclement weather.

Business Interruption

If your company was forced to shut down for an indefinite period of time, how much money would you lose? Business Interruption protects business owners against losses resulting from a temporary shutdown because of a fire or other covered event. The commercial insurance provides reimbursement for lost gross or net profits and necessary continuing expenses.

Key Person Life

What if the success of your business relied on a few very important people? Key Person Life Insurance is designed to protect a business against the loss of income resulting from the disability or death of an employee in a significant position.

Home-Based Business Insurance in California

Many people do not realize that homeowner’s insurance policies do not generally cover home-based business losses. If you run a business from your home, you may need to add riders to your homeowners’ policy to cover normal business risks such as property damage in addition to other policies that cover general and professional liability.

California Business/Commercial Insurance TCS Insurance Brokers Provides

In addition to business insurance listed, you can rely on TCS Insurance for other insurance related to your business:

Commercial Auto Insurance

Commercial Vehicle Insurance
If you operate vehicles to transport products or people, require high liability insurance, haul equipment, or have other similar special needs, then a commercial auto insurance policy is probably best for you.

General Liability Insurance

After dedicating so much time and effort to your business, the last thing you need is for a disgruntled employee or client to initiate a lawsuit. Because this is a highly litigious society, it’s essential for every business to have a good general liability policy in place.

Surety & Contract Bonds

Most bond providers have high credit requirements and turn away those who don’t qualify. TCS Insurance specializes in helping California contractors save money on their license bonds regardless of credit, as well as performance bonds, bid bonds, janitorial bonds & much more.

Contractor’s Insurance

If you are a contractor in California, you know there are events in both life and business you can’t prevent. These events can cause damage to your work site or workers – no amount of preparation could have stopped them.

Umbrella Insurance

Umbrella insurance is extra liability insurance that you purchase in addition to your regular insurance policies, be they for personal or business. Sits “on top of” your other insurance policies like an umbrella, to provide added financial protection in the event that other policies cannot cover the loss.

Workers Compensation Insurance

Despite your company’s best efforts to create a safe work environment, accidents can happen. Partnering with the right insurance agency can ensure that your injured employees return to work safely and as soon as medically appropriate. With our expertise and extensive experience in the field we are able to offer you a connection to the top Workers Comp. carriers in California.

Contact us Today!

Call (209) 207-0577 or (866) 968-8393 / service@tcsib.com

*California Insurance Only*

*Information on some items listed above may not be on our website. Please call for more details. *

© 2017 Domingo Ramos
 Total Client Satisfaction Insurance Brokers
 894 W. 11th. St. | Tracy, CA 95376
 Questions? Call (209) 207-0577 or (866) 968-8393

Read more

9 months ago · by · Comments Off on Business Insurance Fast!

Business Insurance Fast!

Business Insurance – Smart Protection for Small Businesses

Small Business Insurance: Smart Protection You’ve invested a lot of time, money and sweat in your small business, so it makes sense to protect that investment with smart insurance coverage. In fact, business insurance should be an essential part of your business operations — a necessity for safeguarding your business assets, your employees and your livelihood.

What coverage do you need?

Business insurance policies come in many forms to cover many needs. Several factors determine what coverage you’ll need and the rate you’ll pay, such as the nature of your business, whether you operate from a commercial building or home office and whether you have employees. Below are the most common types of coverage that small businesses need:

  • Property insurance: Property insurance covers your buildings, equipment, inventory and other contents.
  • Liability insurance: If you have customers visiting your business, general liability insurance protects your business in the event a customer is injured on your property. It also pays for your legal defense if you face a lawsuit because your product or service causes harm. If you provide services that could cause others’ financial loss, you also may need professional liability coverage.
  • Commercial auto: Commercial auto insurance claims can be devastating for businesses that aren’t properly insured. If you or your employees drive company-owned or personally owned vehicles in the course and scope of business, you need commercial auto coverage.
  • Workers’ compensation: If you have employees, you need workers’ compensation insurance to cover medical expenses and lost wages arising from illnesses or injuries triggered by their work.
  • Business interruption: If your business is unable to operate because of a covered property loss, business interruption insurance covers lost income during the downtime.
  • Disability insurance: If you own a small business, a disabling injury or illness could be financially devastating. Several income protection options are available for business owners, including business overhead expense insurance, key person insurance and bank loan disability insurance.
  • Health: Health insurance is important for you and your employees. And with the federal Affordable Care Act now on the books, it’s important to understand your responsibilities as an individual and as an employer.
  • Life: If you have family members who rely on your income, life insurance will provide the money they need if you meet an untimely death. In addition, many lenders require you to have life insurance before giving you a business loan.

Don’t leave your business unprotected. When you’re ready to shop for small business insurance, get instant access to top business insurance companies and the most competitive options with us. It’s fast, easy, convenient.

How much can you save on business insurance? Find out today by requesting a free quote contact_us_tcs_insurance_brokers_tracy_california_209-207-0577

 

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

Read more