Pauma/Valley Insurance Agency Inc  BBB Business Review




Business Insurance

Business is unpredictable. Buying business insurance shouldn't be. Knowledge is power and we're here to help. Let us share our wealth of information with you to help arm your business with the best possible policy for you. Because we are an independent agent appointed to represent over 30 carriers including Mercury, Allstate, Progressive, MetLife, Travelers, Safeco, The Hartford, and more, you can be assured that we are going to provide the highest level of coverage at the most competitive rates.

State regulations will determine basic insurance requirements. Among the commonly required policies are workers compensation, unemployment, and disability insurance. But these may not be enough. Business insurance packages can include any of the following coverages:
  • Business Owners Policies (BOP)
  • General Liability
  • Business Personal Property
  • Worker's Compensation
  • Employment Practices Liability coverage
  • Errors & Omissions
  • Commercial Auto
  • Group Benefits
  • Professional Liability
  • Worker's Compensation
  • And More

Business Owner's Policy (BOP)
No matter who you choose as an insurance provider, you are going to want an insurance package that protects your business' property and protects you from liability. Many small businesses will qualify for a Business Owner's Policy (BOP), which is a combination of a General Liability policy, a Business Personal Property policy, and - if you own any buildings - a Building policy, plus a handful of additional useful coverages. It sounds like a lot, but they're all important, which is why they're usually offered together. While the BOP was designed for certain types of business, don't worry if yours doesn't qualify for one - you can still get a great deal on a custom commercial package that's just right for you.

General Liability insurance, sometimes called Commercial General Liability insurance, protects your business from third party claims for damage to someone else's property, as well as bodily injury and any related medical costs. It covers the defense costs as well as any judgments for covered losses for which your business is held liable, up to your policy limit. All of which is a fancy way of saying: you and your employees have coverage if you get sued for negligence, property damage, injury, or slander.

Business Personal Property insurance provides protection for the property you own that is used in your business, tenant's improvements like fixtures and installations you've made to a building that you occupy but don't own, and includes leased property that you have a responsibility to insure. Examples of business personal property include computers, laptops, printers, furniture and office supplies you own or lease. If your business sells goods or products, Business Personal Property will also cover your inventory held for sale. Coverage is usually at replacement cost.

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