Business Owners Insurance

Business owner's insurance, also known as BOP insurance, is a policy that combines both property and liability coverage into one package. It’s popular among a variety of small and medium-sized businesses such as restaurants, wholesalers, retail stores and contractors.

BOP Coverage

A business owners policy contains two primary coverages:

Liability:

The liability coverages available on a BOP are the same as those on a general liability policy. This includes protection against liabilities like customer injury and property damage, advertising injury, and product related claims.

A BOP doesn’t cover your employees. You’ll need a separate workers’ compensation policy.

Property:

Provides coverage for commercial buildings and the movable property owned by and used for the business - referred to as business personal property. It can also pay for other things like debris removal, loss of income and pollution cleanup as part of a covered loss.

A BOP policy, like most other policies, has certain coverage exclusions that you should be aware of. If you need protection for something that isn’t covered, policy endorsements might be available to extend coverage.

Life insurance buys time and options.

Too often, when an income earner dies, survivors are forced to make tough, dramatic decisions—and to do so quickly. They have to make the decisions at a time when they may not be emotionally in a position to make good choices. Life insurance gives survivors a chance to adjust over time rather than having to move to a downsized home or find a new job right away.

Your life insurance gives your family choices by providing the benefits to help pay off debts, to help meet housing payments and ongoing living expenses, to help fund college educations for your children or grandchildren, and much, much more.

• Life insurance provides cash when it’s needed most.

Your life insurance policy can deliver a specified sum of money at the exact time of need. Upon your death, your family can be assured that the amount you’ve chosen—perhaps hundreds of thousands of dollars, maybe even millions—will be there almost immediately. And that death benefit is generally not subject to federal income taxes. For example, a $500,000 policy provides $500,000 in death benefit proceeds.

Homeowners Insurance is a protection you get to make sure that when your house suffer a damage caused by fire, weather or other disasters, your property will be safe and also there’ll be a compensation for it.

Every kind of homeowner policy covers different things: 

Type of Coverages:

-The property itself.

-Your personal belongings – everything inside the house.

-Liability to protect others from suffer injuries being at your house.

-If your house is being repaired, another place to stay will be payed by the policy

From what things is your house cover in case it need it?

Fire

Windstorm

Hail

Lightning

Smoke

Explosion

Theft or vandalism

Riot

Vehicle collision

What are those that wont be covered:

Earthquakes

Flood

Power failure

War

Nuclear Explosion

Neglect

Ordinance of law

Intentional acts

 You can trust us, we are going to give you the best policy with all the requirements that your state will ask. 

We offer different Auto Insurance Policies that contain:

 -Liability Insurance: 

This one pays for the damages and injuries you caused to the person and his property (auto) in an accident. Bodily Injury Liability pays for all the medical resources to the person who was injured.
Property Damage Liability pays for the damages made to their cars. In case it needs to be replaced, it would be too.
 -Personal Injury Protection or medical payments:
Pays out to other people.

-Collision and Comprehensive Coverage:
This type of coverage pays to fix your car, or reimburse you for its current value if it’s damaged beyond repair. 

Why make your Auto Insurance Policy with me?

I will help you look for the best option for you. No matter how many  times we have to look for the policy at less price or the one which covers all you want and need, we are going to do it at no cost.

Some managed communities sometimes requires that you have a certain amount of renters coverage so that you can rent, and most important, you need to protect your stuff and yourself.

 WHAT'S COVERED BY RENTERS INSURANCE?

-Personal Liability: If someone is injured inside the property you are living, the liability coverage pays the bills for the one who was affected, and also cover the costs of a lawsuit.

-Personal Belongings: This type of coverage protect all your stuff as clothing, electronics, furniture, and appliances. They are covered against fire, vandalism, water damage and more.

-Living Expenses: As in Homeowner Insurance, in case of your place is damaged and needs repairs, Renters Insurance should pay for your hotel/living expenses even your meals.

What is Landlord Insurance?

There are more than 11 million landlords in the U.S., and a new rental unit hits the market every 80 seconds, according to statistics from the Rental Protection Agency.1 While the number of rental units grows, so does the responsibility of owning a rental property. You not only have to find good tenants, but you're responsible for the property’s upkeep and maintenance.  What if the property is damaged in a storm, or is vandalized? To ease owners’ concerns and provide protection for situations that are beyond their control, you should consider landlord insurance.