insurance agency national city ca
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Insurance Agency National City CA
Southern State Insurance Services provides commercial risk management throughout
California, meeting the insurance needs of a wide range of commercial clients:
California-based contractors in the building trades, including individual “artisan” contractors, like painters, dry wall installers, carpenters, plumbers, electricians, floor and carpet installers, and so on …
Janitorial, cleaning, and maintenance business, including maid services, window washers, floor care specialists, landscapers, and disaster recovery companies that clean up crime scenes and deal with smoke and water damage after a fire, and more …
Professionals—doctors, dentists, midwives and others involved in providing health care services, accountants, tax preparers, financial advisers, and others who need malpractice insurance or are concerned about being liable for errors and omissions
Retail businesses, food service establishments, day care providers, dog groomers …
In short, any business in California concerned about risk management and insurance protection can look to us to meet those needs through:
Commercial Auto Insurance Workers Compensation Insurance General Liability Insurance Janitorial insurance
Builder’s Risk Private Security
Cargo Insurance Inland Marine Insurance Excess Liability Coverage Errors and omissions
insurance Medical Malpractice Pest Control Liability
We are particularly good at working with California companies that present a challenge, such as lapses in coverage. Working case by case, we are flexible and fast, which makes us the California risk management service provider of choice when time is of the essence.
Cargo Insurance
Cargo insurance is a very broad category. Some people may
call it transportation insurance, because it is designed to
cover goods that are being transported from one place to
another. Cargo insurance can be used to cover goods being
moved by truck, train, boat, plane, or just about any other
form of transportation. (There may even be insurance
carriers out there willing to write cargo insurance for
shipments by dog sled or camel caravan!)
This discussion focuses on ground transportation by for-hire truckers. Insurance for cargo
being moved by truck is actually a form of liability insurance. When other modes of
transportation are used, the cargo insurance is typically a form of inland marine or
maritime coverage.
Excess Liability Coverage
Think of excess liability as an extra layer of protection for your
business. California doesn’t require you to have excess liability
coverage, but a client or contractor may.
Let’s say you have a general liability policy that covers your
business for claims of up to $1 million, but you’re hoping to land a
job with a firm that requires its California subcontractors to carry
$1.5 million in liability insurance. You need excess liability
coverage to take care of the extra $500,000. It’s an easy and affordable way to increase the
limits on your existing general liability policy.
Excess liability coverage also kicks in when a claim against your contracting business
exceeds the maximum amount that your underlying insurance, such as your general
liability or workers’ compensation insurance, will pay. Many contractors add excess
liability coverage to their commercial auto policies, because of the potential for very high
jury awards if they are found at fault in a serious motor vehicle accident.
Medical Malpractice Insurance
Medical malpractice insurance is a specialized form of professional liability insurance. It
protects health care professionals from having to pay potentially large damages out of
pocket when they are sued by patients claiming to have been harmed by inadequate,
negligent, or incorrect medical care.
Janitorial Insurance
Janitorial businesses and cleaning services in California, like any
other business in any other state, need to protect their assets –
their property, equipment, vehicles, and their ability to conduct
business and earn money. The basic issue is liability, being held
financially responsible when things go wrong. And there are
plenty of things that can go wrong: a company vehicle gets T-
boned in an intersection, an expensive piece of equipment bites
the dust, an employee falls off a step ladder, someone steals a month’s worth of supplies
from your shop…and the list goes on and on. Janitorial and cleaning services often end up
with a number of different policies, each of which plays a specific role in the company’s
overall insurance strategy.
Worker’s Compensation Insurance
In a nutshell, yes. You don’t just need it, you MUST have it to do
business in California. It is required by California state law, even
if you have only one employee. Some contractors need to carry
Workers’ Compensation insurance even if they have no
employees but themselves. Even temporary employees must be
covered by your Workers’ Compensation policy. The reason is
simple. Workers’ Compensation protects workers who are
injured on the job or develop a work-related illness. It makes payments directly to workers
to make up for some of the wages lost due to work-related injury or illness.
Pest Control Liability
Businesses in the pest control industry use pesticides that pose potential risks to human
health and to the environment. If a chemical can kill insects or rodents, you’d better believe
it can do some serious damage if mishandled or used inappropriately. No matter what the
setting—homes or office buildings, warehouses, farms, golf courses, food storage or
packing facilities, or along public roads and highways—the risks are real. Accidents
happen.
For more information please visit
http://www.southernstateinsuranceservices.com