Our approach is unique when it comes to commercial insurance. We make it easy by asking all the right questions up front. We do all the work of finding you the perfect program to meet your current needs. As your business grows we provide you the most cost effective solutions that will evolve with your business!

Coverage limits refer to the maximum amount the insurance company is obligated to pay on your behalf for an accident you or your employees are found to be at fault for.

Most Commercial leases require a minimum amount of coverage to indemnify the landlord. Usually a minimum limit of $1,000,000 liability coverage per claim and $2,000,000 aggregate limit.

A Construction Contractor may require higher limits depending on the jobs he or she is taking on. An Umbrella or Excess Liability policy might be needed if limits higher than $1,000,000 per claim.

A Business Owners Policy might provide Business Personal Property to cover damage to your equipment, supplies, inventory and furniture at your place of business. As well as Improvements & Betterments coverage to cover for any upgrades you have performed to the leased premises.

Loss of Income is a coverage that replaces your lost sales or income after a covered loss. You can have this coverage as a Net or Gross payout.

If you have volunteers or employees you are required to provide Workers Compensation coverage to pay for any injuries they might suffer. Most states require a minimum coverage limit of $1,000,000 per claim. However, the coverage limits should for employee injuries can exceed this basic $1,000,000 limit and a quality Umbrella is recommended. Also, Workers Comp. does not cover employee hiring, training and managing risks and that is why a Employers Practices Liability policy should be considered.

General Liability can be considered the slip, trip and fall coverage. While Professional Liability is to pay for injuries caused by advise or equipment provided to the consumer.  However, in today’s technology driven society we now recommend that all businesses also carry Cyber Liability to protect against the lawsuits and expenses that arise from client’s compromised data, medical or financial information.

Does it matter who handles the insurance for the place where you make your livelihood? Absolutely!

Our commercial insurance department is run by our very own agency owner. Domingo Ramos, “Mr. TCS” himself, who’s helped launch several successful businesses in the past 20 years and who makes sure we are appointed directly with companies like Hartford, Nationwide-Allied, Chubb, Stillwater-Fidelity, Guard, Travelers, Liberty and Kemper to just name a few. Someone who’s been successful at running this business for over 18 years, who understands the day to day struggles a business owner goes through and who’s done it, seen it and survived it.

We have a group of veteran insurance professionals from all walks of life as well. Such as Marlon Call, “The Insurance Cowboy” with over 30 years under his belt handling ranching and farming risks. To Anthony Ramos, the start-up guru who loves helping new business owners with easy to understand and month-to-month General Liability options. To Nelia Tabasa, who oversees Filipino small business operations in the California Central Valley.

We also have a complete service department that’s eager and ready to handle all the day to day certificate of insurance and billing requests. – Complete the formal insurance quote request above, give us a call or send us a text! (209)207-0577