Are you a business owner in the Burlingame, CA area? If so, ensure your business is protected with commercial insurance provided by Commercial One Insurance Service.

A business needs insurance because it helps cover the expenses associated with liability claims and property damage. Without this coverage, the business owner may need to pay out-of-pocket for expensive damages and legal claims against their business. Depending on the situation, it could be financially disastrous for a business owner.

A small business needs a BOP or business owner’s policy. This insurance combines business liability, business property, and business income in one policy. Commercial property insurance or business property insurance helps protect the physical location of the business and all assets.

General liability insurance is sometimes called commercial liability insurance and will cover the costs of liability claims against your company. If a customer or client were to fall and sustain an injury, he could bring a lawsuit against your company. Business liability insurance will help cover the expenses of that claim.

Business income insurance helps to replace lost income when your company cannot operate because of a covered loss. This will ensure that you can keep paying your employees and your bills and stay afloat during the temporary shutdown of your business. If a fire were to damage your building and it is closed during repairs, this coverage would help replace the lost income.

Workers’ compensation insurance offers financial support to workers who cannot work due to a job-related illness or injury. For example, if an employee injures their back by lifting a heavy piece of equipment, this coverage will help cover their medical costs.

Commercial One Insurance Service can provide you with a no-obligation quote for this coverage or answer any questions you may have. Contact our office today.

Warehouse and logistic insurance go by many different names. Those names include warehouse legal liability insurance, warehouse workers’ legal liability, or warehouse operators’ legal liability insurance. If you own a warehouse or logistics company, this is a type of insurance product that you should consider purchasing. Unfortunately, the staff at Commercial One Insurance Service, serving the greater Burlingame, CA area, have seen that many warehouse owners do not know this product exists. Read on to learn more about what warehouse and logistics insurance covers and why it may benefit your business. 

What Does Warehouse and Logistic Insurance Cover?

Warehouse and logistics insurance is designed to cover four different things. This includes people, equipment, buildings, and goods. This means that this type of insurance helps to protect your workers who may become injured, helps to cover the equipment in your building, including forklifts, helps to cover the building itself, and helps to protect the goods that are stored in the building, including goods that you manufacture or goods that you are preparing to ship out. 

What Are the Benefits of Warehouse and Logistic Insurance? 

If you own a warehouse and logistic service, you have a lot of money tied up in your building, equipment, employees, and the goods you produce or ship. Events such as fire, theft, or flooding can damage your building and the items stored in your building. Warehouse and logistic insurance are designed to protect your business from catastrophic events. 

If you are looking for warehouse and logistic insurance in the greater Burlingame, CA area, Commercial One Insurance Service would love the opportunity to help you. Call or email us today to discuss your business and what insurance products we have that can benefit you. 

When you have a business, you might be wondering if you need to have insurance. You may not want to spend any extra money, but it is essential to consider getting insurance. 

Why do you need it? What does your insurance cover when it comes to your business? 

Most businesses start with a business owner’s policy, also known as a BOP. This includes your business property, liability, and business income coverage. 

• The business property will cover your building, as well as the property that you have inside. This includes the office furniture and supplies you need to run your business. It will also protect your inventory. 
• Liability insurance covers many different things. It will protect you if someone falls in your place of business. It can also protect you if you get sued due to your work. If a client claims you made a mistake that hurt their business, you could be looking at a lawsuit. 
• Business income insurance helps you if you lose income. If you need to close your business for certain reasons, like property damage, it will help you pay for your expenses during this time. 

Most business owners start with a BOP, which protects their property, income, and business if they get sued. That is often enough, though you may need extra insurance if your business gets hacked. You may also need commercial automobile insurance if you have drivers on the road! 

Talk to a professional today if you want to ensure your business is fully protected. Don’t hesitate to contact us at Commercial One Insurance Service in Burlingame, CA.  

Warehouse and logistics insurance is a necessary commercial coverage for any storage and transportation industry business and wholesalers. However, many storage and transportation industry businesses and wholesalers in Burlingame, CA lack this insurance because they don’t understand how it protects them. Here is a breakdown of how warehouse and logistics insurance protects your business.

• Fleet/commercial fleet insurance: This warehouse and logistics insurance policy covers the different types of vehicles you use to transport goods, such as trucks and vans. It also provides coverage to drivers in multiple vehicles. The policy will cover all your vehicles and drivers. 
• Material damage insurance: This policy will protect the inventory under your care, whether in transit or your warehouse, together with the fixtures and fittings in your warehouse against storm damage, fire, theft,  and burst pipes. 
• Products liability cover: As a warehousing and logistics enterprise, you are responsible for getting the products from the manufacturer to the retailers or end consumer. The product’s liability coverage protects you if it’s alleged that the product you were involved in supplying caused an accident that resulted in injury to one of your customers or property damage. 
• Employers liability insurance: The warehouse can be a dangerous workplace for employees. This is why Commercial One Insurance Service views the employer’s liability insurance as a must-have. This warehouse and logistics insurance coverage will protect you as the employer from liability if your staff suffers an accident at the workplace and claims it was because of your negligence. 
• Equipment breakdown insurance: Equipment breakdown can paralyze operations at the warehouse. This warehouse policy will pay to repair or replace your warehouse equipment to let you resume operations in no time. 

Are you a storage and transportation enterprise or a wholesaler in Burlingame, CA, looking for warehouse and logistics insurance? Call Commercial One Insurance Service for immediate assistance.

The warehouse and logistics industry is extremely important and a major part of the economy in the Burlingame, CA area. While there is a lot of opportunities available to those in this industry, there are some risks as well. A great way to offset some business risks in this field is by getting proper insurance. There are various forms of coverage that come with a warehouse & logistics plan. 

Protection for Assets

One of the ways that you can be supported by a warehouse & logistics insurance plan is by getting protection for your assets. A warehouse and logistics business will have a lot of different assets. This will include your moving and storage equipment as well as customer cargo and inventory. With a warehouse & logistics insurance plan, you will get the support that you need to cover these items. 

Reduce Liability Risk

You should also get a warehouse & logistics insurance plan to offset your liability risk. There will always be a chance that an accident could occur in your warehouse that could lead to damaged inventory, injuries, or other forms of loss. As this could end up leading to significant damages, you will want to know that you are protected against this risk. A proper warehouse & logistics insurance plan will give the coverage that is needed in this situation. 

Having a warehouse & logistics insurance plan is important for anyone that owns or operates a warehouse or logistics business in the Burlingame, CA area. If you decide to get this type of coverage, you will want to start your search by calling Commercial One Insurance Service. The team with Commercial One Insurance Service offers personalized support that can help you adequately cover your business with a proper insurance policy. 

Does warehouse and logistics insurance cover your items while in transit?

Your warehouse in Burlingame, CA needs appropriate commercial insurance. That means warehouse insurance for the items stored there and logistics insurance, a type of inland marine coverage. Put together, a policy of warehouse and logistics insurance from Commercial One Insurance Service can protect your clients’ items as well as your own.

Becoming a Bailee

Warehouse insurance covers your business as a bailee, an organization entrusted with the belongings of another business or client. This means that if anything happens to damage property during storage, packaging, cross-docking, labeling, or any other service offered, the insurance covers it. It also covers the loss of an item. It differs from cargo insurance, which covers the items while in transit by plane, train, or automobile.

Coverage of Items in Transit

The logistics component covers your transit of goods. This component of the insurance package covers your liability. While you can purchase warehouse and logistics coverage separately, we recommend bundling them to cover your business completely.

The liability coverage provided by the logistics component includes accidents caused by negligence as well as damaged cargo. This provides separate coverage from your commercial auto or trucking insurance.

Contact Commercial One Insurance Service

Yes, warehouse and logistics insurance does cover your items while in transit. Contact Commercial One Insurance Service serving Burlingame, CA, to discuss your warehouse and logistics insurance needs and determine what coverage you should buy. Let this insurance help you keep your warehouse equipment and clients’ warehoused items safer, or at least cover their loss if something happens to their cargo while in your care.

Being a business owner comes with many risks. Not every business has the same risks, but generally speaking, there are some that are pretty universal. Having an independent agent who understands the particular risks that are unique to your business is important when it comes to customizing your commercial insurance policy. In Burlingame, CA, Commercial One Insurance Service has a team of experts who will work with you to make sure that as many of your risks are mitigated as possible. 

Does commercial insurance cover flooding?

If a pipe breaks and floods your business, this is covered. If the river rises, heavy rain floods storm drains, or any other type of surface water, no, it is not covered. You can, however, purchase a separate commercial flood insurance policy to protect your business. 

Will commercial insurance protect me if I get sued?

If you have commercial liability insurance, it will. Liability protection pays for a judgment against you up to the limit of your policy. It will also help with legal expenses you may incur as part of the suit. 

Why do I need commercial property insurance if I don’t own the building my business is in?

Property insurance covers a lot more than just the building. It will help repair or replace machinery you use in your business, office equipment, raw materials, and inventory. It is valuable coverage for renters as well as building owners. You can’t do business without the things you need to produce your products. 

Does business interruption cover all interruptions?

Like every other type of insurance, business interruption insurance has exclusions. Before deciding to add this insurance to your policy, read the exclusions and the coverage to make sure it fits with your particular business risks. 

Contact Commercial One Insurance Service in Burlingame, CA when you are ready to discuss your commercial insurance needs.

Car insurance and motorcycle insurance serve the same purpose: protecting the Burlingame, CA owner should they be involved in an accident or theft. However, there are some significant differences between the two types of coverages. Knowing the differences can help in ensuring there is enough coverage based on the type of vehicle. 

Check out the main differences between car and motorcycle insurance, then call us at Commercial One Insurance Service for any questions about these types of policies. 

Coverage Cost

Motorcycle insurance coverage costs significantly more than general auto insurance. Motorcycle insurance costs more because the likelihood of an accident and injuries is five to nine times greater with a motorcycle.

Passenger Coverage

A general auto insurance policy automatically covers passengers in a car. However, since motorcycles are designed only to carry one passenger, motorcyclists must purchase a second policy to protect passengers. It may also be necessary to buy separate medical coverage for injuries associated with a motorcycle accident, regardless of who is at fault. 

Amount of Use

There Is a more significant risk associated with an auto insurance policy based on the amount the vehicle is used. Cars are generally used all year long, while motorcycles are usually only used during the spring, summer, and fall. Therefore, driving less may allow motorcyclists to purchase a less expensive plan if their riding habits are only seasonal. 

No-Fault Insurance

General auto insurance policies cover damage to the vehicle, as well as any injuries resulting from an accident (regardless of fault.) However, motorcyclists are exempt from the no-fault insurance policy, which means their insurance coverage does not include personal injury for the driver or passenger. 

Whether you drive a car or a motorcycle in Burlingame, CA, there is an insurance policy available to help ensure you are fully protected. Call our Commercial One Insurance Service agents for information about our insurance policies for both cars and motorcycles. 

The warehouse & logistics industry is an important one as it is responsible for ensuring that the products people need and rely on are accessible in all parts of the country. Due to the demand for this industry, there are many opportunities to be successful if you operate in the Burlingame, CA area. If you are going to own a warehouse & logistics business in this area, you need to get proper insurance. A warehouse & logistics insurance plan includes several forms of coverage. 

Property Damage Protection

If you are in the warehouse & logistics industry, you are going to own or lease some major assets and equipment that are needed to operate efficiently. Losing these assets to damage or theft can be a major setback. If you have the right insurance, you will have coverage that can help you replace these assets and ensure your business stays on track.

Liability Support

You should also consider getting a warehouse & logistics plan for liability protection. Those that are in this industry will take on liability risk in a variety of ways. This can include being liable for accidents that occur due to negligence or even lost or damaged cargo liability. If you invest in a full warehouse & logistics insurance plan, you will have the coverage needed to offset this concern. 

A warehouse & logistics insurance plan is needed for businesses in the industry. If you operate in this field and are in the Burlingame, CA area, you should speak with Commercial One Insurance Service to discuss your needs. There are a lot of choices to be made when looking for this coverage and Commercial One Insurance Service can help you assess your needs. This guidance can help ensure you pick an ideal plan for your situation. 

Because small businesses operate on a tight budget, it’s easy for them to forgo commercial insurance options not required by the law. Regrettably, trying to make a saving by shelving insurance could cost your business much more than the premiums would. If you are a business owner in Burlingame, CA, or any other part of America, listen carefully as Commercial One Insurance Service shares insights on how commercial insurance protects your business. 

Protects your employees

Although most businesses advocate for a safe working environment, work-related injuries can’t be prevented 100 percent. Given this reality, you need to purchase workers’ comp insurance to protect your most prized asset — your employees. This insurance coverage pays for employees’ medical costs, including ongoing physiotherapies for illnesses and injuries sustained in the workplace. Additionally, this coverage covers partial loss of income and final expenses for your employees. 

Protects your assets

Commercial property insurance protects your building and other assets like inventories, furniture, and electronics from damage or loss. While this insurance is popular with brick and mortar businesses, online businesses still need this coverage as they have physical assets that need protection from perils like fire, theft, and so forth. While commercial insurance doesn’t prevent damage or loss from occurring, it ensures that you don’t start from scratch when disaster strikes. 

Covers you against liabilities

Commercial insurance protects your business against claims arising from bodily injury, advertising injury, and property damage. Besides, general liability insurance covers potential lawsuits facing your business. 

Ultimately, commercial insurance saves your business from financial losses that could arise from liability claims, damaged assets, injured employees, and loss of income due to business disruptions. Instead of rolling the dice and hope nothing will happen to your business, it’s wise to be sure with commercial insurance. 

Buy commercial insurance today

Whether your business is big or small, you need commercial insurance to thrive in the uncertain business environment. If you are searching for business insurance in Burlingame, CA, please contact Commercial One Insurance Service for a competitive quote.