Insurance 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.

Small business insurance Many insurance providers will bundle two or more different types of coverage in a small

business insurance package. It may be more convenient or cost-effective for you to pay one

premium for all of your small business insurance than separate premiums for d ifferent

coverages.

The most commonly bundled coverages are Workers’ Compensation, commercial auto, and

general liability. Some insurance companies refer to this kind of small business insurance

plan as a business owner’s policy, or simply small business insurance. Because of the lack of

standard names for some insurance products and the wide variety of small business

insurance coverages available, just make sure that you re speaking the same language as

any insurance professionals you consult in search of the right small business insurance for

your company.

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 marin e 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.

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. It also helps pay their medical

expenses, including rehabilitation costs. Without Workers’ Compensation insurance,

employers are responsible forpayingall costs stemming from a work-related accident or

illness.

For more information please visit

http://www.southernstateinsuranceservices.com