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Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

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Business & Commercial Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Business & Commercial Insurance Information

Business Insurance
Business Owner's Policy
General Liability Insurance
Commercial Prop Insurance
Business Interruption Insurance
Workers Comp Insurance
Commercial Automobile Insurance
Professional Disability Insurance
Errors and Omissions Insurance
Technology E&O
Cyber Liability Insurance
Umbrella/ Excess Liability
Employment Practice Liability Insurance (EPLI)
Directors and Officers Liability Insurance (D&O)
Fidelity/Crime Insurance
Bonds
Property Protection
Builder's Risk
Professional Liability/E&O 
Warehouse Legal Liability
Manufacturer's E&O
Design E&O Insurance
Patent Infringement Coverage
Product Recall Insurance
Products Completed/Product Liability
Pollution/Environmental Liability Insurance

Property and Casualty Services

Considering your Property Casualty risks, whether it is cyber breaches to supply chain disruption to contingent business interruption issues—organizations must look beyond insurance to find the opportunity in risk management. Century Total Insurance Agency will help you manage these and other challenges and risks.

Our dedicated team of Property & Casualty professionals and partners do more than just complete transactions: They work closely with you to identify the full spectrum of your property exposures, and then customize a property coverage solution that helps you avoid, mitigate, or transfer risk. With this holistic approach to risk, you can predict property risk management costs and create a risk management program that meets your unique needs, maximizing protection while minimizing total cost of risk.

We are committed to providing you with:
  • Providing the best insurance program that meets your needs.
  • Reviewing policies and audits for accuracy in coverage and pricing.
  • Conducting account reviews, including marketing to various insurance companies to ensure the broadest coverages are in place.

PROPERTY CASUALTY COVERAGES

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford's liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.

Broad Range of General Liability Protection

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy limit) if an injury ever resulted from something your company made or service your company provided
  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
  • Advertising Injury

Property Protection

  • Building Valuation
  • Coverage for Property of Others
  • Business Interruption Coverage

Builder's Risk

Crime

Bonds

Umbrella Excess Liability coverage

Automobile Liability Coverage

  • Owned
  • Non-Owned

 Directors & Officers Liability Coverage

  • Entity Coverage

Employment Practices Liability Insurance (EPLI)

Professional Liability

Fiduciary Liability

Cyber Liability

Warehouse Legal Liability

Manufacturer's Insurance

Design E&O Insurance

Patent Infringement Coverage- First Party and Third Party Coverage

Product Recall Insurance 

Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitiation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.


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2601 Ocean Park Blvd.,
Suite 301
Santa Monica, CA 90405
Tel: 310.473.7171
Fax: 424.316.2154
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