ERM Insurance brokers provides business insurance for Irvine, California.
Call (949) 222-0444 to speak to an expert.
There are many different types of coverage for different types of businesses. For many types of businesses, a Business Owners Policy (BOP) can provide sufficient coverage. These policies typically cover some property and liability, and you can add other coverages that are more specific to your industry.
The BOP covers real estate and other property your business owns. If your business rents or leases its building, you can have coverage for modifications that the renters make.
Computer Operations Interruption Coverage pays for income and expenses that result from computer problems.
Electronic Data Loss Coverage can provide coverage for restoring data that has been destroyed or damaged. Policies usually require that the cause of the damage is listed in the policy, such as a loss caused by a computer virus. Coverage can be tailored to the specific needs your company has, so make sure to speak to your agent in detail about your operations.
Fine art, valuables, and accounts receivable can also be added to your policy if you feel you would incur a significant loss should they suffer a loss.
Business Income (Business Interruption Coverage) pays for expenses if your business experiences a disaster and cannot operate for a period of time.
Extra Expense Coverage pays any expenses that are a result of a loss—such as rent for a temporary office.
Employee Dishonesty Insurance covers you in the event of theft by employees.
Liability insurance is provided in a BOP. It protects you for liabilities such as slip and fall accidents to claims of libel or slander. Some liability risks are not covered by a BOP. If a client claims to have been harmed by something you did or failed to do, Errors and Omissions Insurance can help with lawsuits.
Commercial Auto Policies If you use your own car for business and you are liable for an accident, you could be personally sued. If your personal auto policy does not cover the cost of the damages, your business could be sued. Make sure you have enough insurance to protect your business. ERM can help determine if you need a commercial auto policy.
Workers Compensation Insurance is required in California for a business that has employees. Workers compensation is complex and it is important to speak to a business insurance professional who can make sure you have the right coverage.
ERM Insurance is located in Irvine, California and has been providing Orange County Businesses with professional advice for over 35 years.
Call (949) 222-0444 to determine which insurance coverages you need.