Business & Commercial Insurance
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 Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Business & Commercial Insurance Information
Business Insurance for Berkley, Concord and the Bay Area
The unfortunate fact of owning a business is that challenges could arise at any time, and the costs of fixing these problems could balloon to astronomical levels. By being able to rely on your commercial insurance portfolio to help you pick up the pieces, you’ll guarantee that your business can continue to thrive despite the problems that it might one day face.
Fires, severe weather, break-ins, lawsuits and more could impact your company’s operations, reputation and bottom line. But business insurance, when customized to fit your commercial liabilities, will ensure that you can withstand even a worst-case scenario. For help tailoring your coverage portfolio to your advantage, you can rely on the expert guidance provided by the team at Brick Insurance Agency.
We understand the diverse insurance needs of businesses of all shapes and sizes, and we’ll make the process of getting covered an easy one for you. Call us at (925) 687-6262 or request your free quote now by clicking here.
Common Business Insurance Questions
How does business insurance work?
Businesses buy insurance because they face countless liabilities every day, and no matter how much money your business has in the bank, you shouldn’t have to worry about how you will pick up the pieces of even a seemingly small problem. The proper commercial insurance benefits will ensure that you can receive the financial support you need to fund your recovery and move on with operations, without putting the business in an unstable financial position.
What does business insurance cover?
Business insurance is not a single policy. It is a blanket term that refers to numerous insurance benefits designed specifically for your commercial endeavors.
Most businesses, no matter their industry, need several types of coverage, including:
-
Property Insurance: If something damages physical property – such as your building or possessions - then this coverage can help you repair or replace them.
-
General Liability Insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
-
Business Interruption Insurance: This helps you pay the bills if you must temporarily close after a damaging accident.
-
Commercial Auto Insurance: When the company owns vehicles, this coverage will provide the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
-
Workers Compensation Insurance: If an employee gets hurt on the job, they are often eligible for workers compensation coverage. It will provide them supplementary income during their recovery.
-
Errors & Omissions Insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
-
Surety Bonds: If you are contractually obligated to certain clients, then bonds will guarantee them that you will repay them if you cannot meet your obligations.
To further tailor your benefits to meet your specific needs, you can also invest in:
-
Products/Completed Operations Liability Insurance
-
Cyber Liability Insurance
-
Umbrella Liability Insurance
-
Hired/Non-owned Auto Liability Coverage
-
Directors & Officers (D&O) Insurance
-
How much business insurance should I have?
You will need an amount of business insurance that is adequate to minimize your personal financial losses following an unexpected, unavoidable problem within your business. Depending on the coverage in question, your policy limits might need to reflect the cost to rebuild and replace property, to cover employee salaries following an interruption in operations, or shore up your net worth following a lawsuit. Our agents will help you determine how to structure your protection to your advantage.
What business insurance is required by law?
Numerous regulations could impact your need for commercial insurance, though these requirements can vary by industry.
Commonly required coverage includes:
-
Commercial Auto Insurance
-
Workers’ Compensation Insurance
-
General Liability Insurance
-
Errors & Omissions Coverage
-
Liquor Liability Insurance
|