Tag Archives: california

California Restoration Contractor Insurance

If you own or are thinking of starting up a company that offers restoration services you’re going to need an insurance policy that protects you from the many risks that come with the territory. We offer custom tailored insurance programs specifically for restoration contractors in California. These restoration insurance packages usually include general liability, property coverage, commercial auto, and crime & fidelity protection.

Why does my CA Restoration Company need an insurance policy? If one of your client decides to sue your company because a job was incorrectly completed or your employees made some type of mistake you’re going to need a lawyer to defend you in court, pay legal fees, and ultimately pay a fine if the court finds your restoration company guilty. An insurance policy protects you and the company from losses such as these and MANY more as well.

General Liability – This type of insurance protects your restoration company from instances in which your company is liable. If a job is incorrectly completed and a client is unnecessarily exposed to a dangerous type of mold etc. your restoration company would be liable for any medical fees incurred to the client. This client could also sue your company for loss of work and even disability.

Property Coverage – If you’re restoration company uses an office you probably have expensive computer equipment and restoration equipment / etc. stored at that location. Property coverage protects this equipment and property if your office or warehouse were to burn down. If you own the office, property coverage can also provide funds to rebuild the actual building as well.

Commercial Auto – If your restoration company uses vehicles for business use than you need commercial auto coverage. A regular personal auto insurance policy will NOT cover a vehicle used for business use. Most restoration contractor auto policies also include hired & non-owned coverage that extends liability to vehicles your company rents and employee vehicles used for business use (example: you sent an employee to grab coffee for the office using his own vehicle).

Crime & Fidelity – This type of coverage protects California restoration contractors from losses due to theft. If one of your employees decides to steal equipment or company funds from your account it would be covered under this type of policy. Are you able to come up with funds needed to replenish the company account? Most contractors aren’t.

Get in touch with a California restoration contractor insurance broker today. We offer packages that include the above coverage and MUCH more. We’ll need the information below to send you an accurate quote.

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If you have a prior policy email it to us and we’ll send you an “apples to apples” comparison with a more competitive rate. Most contractors will need to fill out a supplemental application, call us and we’ll fill it out over the phone.

California Thrift Store Insurance

Thrift-InsuranceIf you currently own a thrift store in California or you’re thinking about buying one you’re going to need an insurance policy to protect you from risks that come with the territory. We offer custom tailored polices made specifically for the thrift store business owner. Our thrift store polices include coverage like general liability, business property coverage, commercial auto coverage, and med pay coverage.

Why do I need a California thrift store insurance policy? Owning your own store can come with many risky liabilities. Imagine a customer walked into your store and slipped on a toy that was left on the ground, the owner of the thrift store would be liable for any medical payments needed. The customer could even sue the owner for embarrassment, loss of work, or any other reason. Having an insurance policy also protects your business property from losses such as a fire, water damage, etc. This type of protection is necessary no matter where your store is located.

General Liability – Anyone who owns a thrift store should carry general liability insurance. This type of coverage will protect you in case you were to get sued due to a client that slips on your property or decides to sue your company because they were a victim of something you were liable for. Most thrift stores carry 1,000,000/2,000,000 worth in liability coverage, these limits are standard for the industry.

Business Property – This type of coverage protects the property your thrift store carries. If the entire store were to burn down the building owner would not pay for your property, your property needs to be covered under your own insurance policy. The amount of business property per store widely varies.

Commercial Auto – Does your thrift store use vehicles to pick-up donated goods? If so, you need a commercial auto policy that protects the vehicle and others driving on the road. A normal personal insurance policy does NOT cover a vehicle used for business use. Most thrift stores have commercial auto polices with 750,000-1,000,000 CSL (Combined single limits) in coverage.

Get a free quote on your California thrift store insurance policy. We have access to over 120 different insurance carriers that offer policies custom tailored to the thrift store industry. Send us the info requested below and we’ll have a rate out to you ASAP!

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We’ll need the following to get you an accurate quote:

  • Business Name:
  • Address:
  • # of owners:
  • # of employees (Volunteers don’t count):
  • Year business started:
  • Estimated Annual Sales:
  • Do you accept/sell furniture, bunk beds, auto’s, car seats, bunk beds, cribs, or firearms? If so please list.
  • Does your location have fire sprinklers?

Feel free to copy and paste this info into the box to the right, email it to info@CaliforniaQualityInsurance.com, or just call us at 949-777-5027!

Give your California HOA a quick check-up

HOA check-up

Below you’ll find ten separate measures that are used to determine the current health and stability of your California homeowners association. Not only is it a great “self-evaluation” tool for those on the board but if confidentially evaluated by each resident it’s a great way to get an honest gauge on how the homeowners association is doing.

Looking for an HOA quote? Click here

Simply read through each number and score the association on a scale from one to ten. The end result should help guide the board and association into an improved direction. Good luck!

  1. The association does a great job managing the entire community according to the covenants, conditions, and restrictions (CC&R’s).
  2. The association maintains a very consistent and effective leadership role through qualified personnel by means of proper and fair elections.
  3. The association holds regular meetings with agendas according the most important needs the HOA has at that particular time.
  4. The association takes precautionary measures to keep crime related incidents in the community to a minimum.
  5. The association provides monthly financial statement reports that follow budgets and keep assessments to a bare minimum.
  6. The association keeps an adequate amount in reserve for emergencies and rare assessments.
  7. The association maintains a competitively priced HOA insurance coverage without a lapse.
  8. The association regularly conducts on-site inspections of every unit to insure proper compliance which is enforced with a fair written notice, and fines if need be.
  9. The association has a maintenance schedule for common areas that need it (roof repair/replacement, gutter cleaning, landscaping, power washing, etc).
  10. The association does it’s best to keep the community informed of new rules and CC&R’s through its website, email subscriptions, newsletters, etc.

When was the last time your homeowners association got a free quote on its insurance package? Get in touch with one of our California HOA Insurance specialists today!

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Are termites covered under a homeowners insurance policy?

California termite damageIf you own a home or are thinking about buying one, termites as little as they are can be a huge nightmare. All these tiny little insects need is a small crack in your homes foundation, using it they can pass through and literally begin eating on the wooden frame and structure of your home. Unfortunately though most homeowners insurance companies in California won’t cover termite damage. Why not?

Because termites are viewed as a “preventable pest” most insurance carriers see this as something you could have stopped before it happened. They see it as a maintenance issue. As a general insurance rule, most insurance carriers do not cover you for things that happened due to a lack of maintenance. Homeowners insurance carriers are more likely to cover events that are accidental, such as a fire that burns down the kitchen for example.

Although most homeowners insurance carriers in California won’t cover termite damage, you can still prevent it. Have your home and the surrounding structures inspected every year for termites. This is especially important if your neighborhood has a history of termites or you live in an area that is humid.

Have a question? Get in touch with one of our California homeowners insurance brokers today. we have access to literally over 100 different insurance carriers and we can give you a price right over the phone.

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