Three Ways to Prolong Your Wood Deck

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Many homeowners in the Burlingame, CA area who have a home insurance policy with Commercial One Insurance Service own wood decks on their properties. These are meant to last for years and should be maintained so that you do not have to replace them regularly or be found liable in court for damages. 

Add Waterproof Sealant

At least once a year, it is an excellent practice to add water sealant to your wood deck. This keeps the water from rain and snow from causing long-term damage to the wood railing and deck floor. It would be best if you did it about the same time every year so that it retains it and you do not have a time gap. 

Replace Rotten Wood

Over time, some pieces of the deck will rot and break. Make sure that you replace these pieces right away. When you replace them, you need to use treated wood for your deck to last longer and stand up to the elements. This also keeps the wood surrounding these areas from getting worse. You could attract unwanted pests to your deck if you leave it. 

Use Outdoor Paint to Repel the Sun

One of the worst damages for wood decks is sun damage. This is because it can be drawn to the deck, and if you do not use the right paint, you can cause more damage to the deck. With outdoor paint meant directly for sun damage, you can prolong the life of the wood and keep it from breaking down over time. This keeps accidents from happening and you from becoming liable in court. 

If you need home insurance in the Burlingame, CA, area, contact our Commercial One Insurance Service team. 

Dude, Where’s My Car?

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So, you came outside one day, and your car was nowhere to be seen. You weren’t parked illegally and didn’t have any outstanding tickets. Quite obviously, someone stole your car! You start to panic. But you shouldn’t. It doesn’t look good, but you need to get a hold of yourself and do what you need to do. Maybe you can get your car back, and maybe you can’t. However, you may be compensated enough to buy another vehicle if you’re insured. Follow these steps.

Filing a Police Report for Your Stolen Car

  • Call the Police. Report the crime immediately. They will want to know the make, model, and color of your car as well as plate number, VIN, and the time and place where this happened. If your vehicle has a GPS system, this could be helpful in finding it. 
  • Call your Insurance Company. Once you have a copy of the police report, you can call your insurance company. They will want all the details. Make sure your policy covers theft. Comprehensive insurance most likely will. 
  • If Necessary, Call Your Home, or Renters Insurance Provider. If you have any valuables in the car, your car insurance will not cover them. You’ll need to file separate claims for them. 
  • Contact Your Lenders if Needed. If you have an auto loan or lease, your lender needs to know immediately. If documents were in your car, you’ll need to set up a temporary fraud alert with a major credit bureau. If a credit or debit card was in the vehicle, you may have to cancel it. 
  • Keep Calm and Carry On. Insurers typically wait about 72 hours after a theft to process an auto claim. There’s a 45% chance your car will be found before this time. Rental Reimbursement Coverage will pay your fare if you have to take public transportation. As this is not your fault, your rates won’t increase. 

Commercial One Insurance Service Serving Burlingame, CA

If you are in the Burlingame, CA area and need auto insurance, please get in touch with Commercial One Insurance Service. We’re here to help.

Storage with Confidence: How Warehouse Insurance Safeguards Your Goods

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Warehousing in and around the L.A. and Burlingame, CA area is fundamental to modern supply chains and logistics, bridging producers and consumers. For warehouse operators and the businesses that rely on their services, warehouse insurance is a crucial component of risk management and asset protection.

The Role of Warehouse Insurance

Warehouse insurance, often categorized under commercial insurance, is specifically designed to safeguard the interests of businesses operating warehouses and storing goods in them. It plays a pivotal role in providing financial security and mitigating potential losses.

Key Benefits of Warehouse Insurance

  • Property Coverage: Warehouses are home to valuable goods, equipment, and machinery. Warehouse insurance offers protection against various perils, including fire, theft, vandalism, and natural disasters. This coverage ensures that the financial burden is alleviated during property damage or loss.
  • Liability Protection: Warehouse operators can be held liable for damages or injuries on their premises. Warehouse insurance includes liability coverage, safeguarding businesses from legal claims and the associated expenses.
  • Business Interruption Coverage: Unexpected disruptions, such as fires or natural disasters, can halt warehouse operations. Business interruption coverage compensates for lost income during downtime and helps cover expenses related to resuming normal operations.
  • Cargo Insurance: For businesses storing goods in warehouses, cargo insurance is a vital addition. It protects against damage or loss of goods in transit or storage, offering financial protection in case of unexpected incidents.

Customized Policies for Warehouses

Warehouse insurance policies can be tailored to meet each warehouse operation’s unique needs and risks. This customization allows businesses to select the appropriate coverage levels and endorsements to address vulnerabilities.

Commercial One Insurance Service Can Help You

At Commercial One Insurance Service, we can help answer questions concerning warehouse and logistics insurance. We serve the L.A. and Burlingame, CA area. Contact us today.

Business Interruption Insurance: How It Helps You Prepare for the Unexpected

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Running a business comes with its share of uncertainties. From natural disasters to unexpected emergencies, disruptions can occur at any moment. That’s where business interruption insurance steps in. Commercial One Insurance Service, providing commercial insurance in the Burlingame, CA region, wants you to understand how this type of insurance can help you prepare for the unexpected and keep your business afloat during challenging times.

Understanding Business Interruption Insurance

Business interruption insurance, often called business income insurance, provides financial protection when your business operations are temporarily halted due to covered perils. It can help cover ongoing expenses and lost income during the downtime.

Coverage for Temporary Closures

When unforeseen events like fires, floods, or even a global pandemic force your business to close temporarily, business interruption insurance kicks in. It covers expenses like rent or mortgage payments, utilities, and employee salaries, ensuring that your business remains financially stable even when the doors are closed.

Rebuilding Your Business

After a disaster, getting your business back on its feet is a priority. Business interruption insurance can help fund rebuilding, repairing, or relocating your business premises. This ensures that you can resume operations as quickly as possible.

While we can’t predict the future, we can certainly prepare for it. Business interruption insurance is a crucial component of a comprehensive risk management strategy. It provides financial support during challenging times, allowing your business to weather the storm and emerge stronger. By understanding how this insurance works and ensuring you have the right coverage, you can safeguard your business’s future and better navigate unexpected disruptions. If you’re ready to learn more about purchasing a policy in the greater Burlingame, CA region, call Commercial One Insurance Service today. 

New Homeowner? Know the Facts about Home Insurance

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You’ve finally found the home of your dreams and are ready to take the plunge to become a homeowner. In addition to the right home loan and the right home insurance coverage to protect your valuable investment. By knowing the facts about home insurance, you can choose wisely. Working with a reputable insurer like Commercial One Insurance Service in Burlingame, CA is essential to getting quality coverage to protect your property.

Home Insurance Facts Every Homeowner Should Know

As a new homeowner, you may have misconceptions about home insurance – what it is, what it does, and why you need it. These aspects are covered in the following home insurance facts:

  • Home insurance offers dwelling, property, and liability coverage to protect your home, personal belongings, and assets from financial loss.
  • Dwelling coverage protects your home structure against damage or loss from covered perils like fire, vandalism, lightning strikes, hailstorms, and other natural disasters.
  • Property coverage protects your belongings. This includes clothes, electronics, furniture, appliances, sports equipment, and other personal items.
  • Liability coverage protects you financially against accidental injuries or property damage visitors may sustain on your property.
  • If your Burlingame home has a mortgage, home insurance may be a requirement. Otherwise, it’s your decision whether to have home insurance coverage or not.
  • The cost of home insurance may vary depending on your chosen insurance company. Your home’s age, size, condition, and location can also impact home insurance costs. You can shop around to find the best deal for your desired coverage.   
  • Standard home insurance policies do not cover flood damage. For flood protection, you need a separate flood insurance policy.

Need Home Insurance?

For quality home insurance at affordable costs, contact a local agent from Commercial One Insurance Service in Burlingame, CA.

Do You Need Full Coverage Insurance if You Have a Finaced Vehicle?

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If you own a vehicle, you must have a certain level of coverage in each state. However, there are different coverages available to owners. If you lease or finance your car or truck, you’ll need full-coverage insurance to obtain and keep your financing. Anyone living in or around the Burlingame, CA, area can count on Commercial One Insurance Service to provide the needed options. 

Insurance For Financed Vehicles

When you finance your vehicle, the financing company requires you to submit proof of your insurance. They will also need your insurance provider to report your status to them. If you want to find out what coverages are mandatory or available. Consult your financial provider and a knowledgeable insurance agent for the proper coverage. You’ll also get information and recommendations for the appropriate level of protection you need based on your vehicle type and your details. 

You can rely on our insurance expert team to provide the details and support you need to secure and maintain the right policy. At the same time, you meet your financier’s obligations for coverage. We can assess your current and future needs. We can help you submit your documentation to acquire your policy and help you with any changes during the policy’s life. 

Contact Commercial One Insurance Service Today

If you’re ready to learn more about your insurance options, we can help. Call or stop by Commercial One Insurance Service, serving the residents of Burlingame, CA. We are ready to provide exceptional customer service and reliable insurance products you can count on to protect from various risks. Contact us today to find out how we can help.

Warehouse and Logistics Insurance: What It Covers (and What It Doesn’t)

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When you’re running a business in Burlingame, CA, a constant stream of things is added to your to-do list. Ensuring that you have the right insurance coverage in the event of an accident or disaster is a stressful and time-consuming process that often gets put on the back burner. If you need help finding the right coverage types for your business, contact Commercial One Insurance Service today!

Types of Warehouse and Logistics Insurance

  • Commercial Property Insurance helps to cover losses caused by natural disasters such as fires, theft, and extreme temperatures or humidity. 
  • General Liability Insurance provides additional protection against a variety of losses.  
  • Warehouse Legal Liability Insurance is ideal for those who have goods and materials owned by other companies stored in your warehouse. It covers you should you be held liable for damage done to the stored contents.
  • Worker’s Compensation ensures that your employees and business are cared for should an employee be injured.
  • Employee Dishonesty Coverage can protect businesses from damage caused by employees committing criminal or dishonest acts.
  • Cyber Liability Insurance protects your bottom line in case of a cyber-attack or data breach resulting in legal claims.

Find the Coverage You Need at Commercial One Insurance Service

As you can see, there is a coverage plan for every aspect of your Burlingame, CA business. But remember, warehouse and logistics insurance is not a one-size-fits-all solution. Purchasing the first plan you see is a surefire way to leave your business open to major financial losses should an event not specifically covered by your plan occur. Fortunately, Commercial One Insurance Service can help. We’ll work with you to find the perfect mix of coverage and cost so you can get back to focusing on day-to-day operations. Contact us today to learn more!

How workers compensation insurance can protect you and your employees

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Workers’ compensation insurance from Commercial One Insurance Service can be an invaluable asset for employers and employees in the Burlingame, CA area. It provides a safety net if an employee is injured or becomes ill and provides them with medical care, disability payments, and other benefits. For employers, workers’ compensation insurance protects them from costly workplace injury claims by covering their legal costs and any compensation they have to pay out to the employee. 

At its core, Workers’ Compensation Insurance is designed to protect the employer and employee in the case of workplace-related injuries or illness. Employees benefit from access to medical care and lost wages when they cannot work due to an illness or injury sustained at work. Employers benefit from being covered against financial loss resulting from compensating employees for injuries sustained while working on the job. 

Workers’ Compensation Insurance is essential not only for protecting both parties in a workplace setting but also for complying with state laws that require employers to provide this type of coverage for their employees. Without it, employers risk costly fines if something happens on the job. Additionally, Workers’ Compensation Insurance helps keep premiums low since employers will not be forced to pay out high amounts of money if an accident occurs on the job site. 

In short, Workers’ Compensation Insurance is essential in keeping both employers and employees safe while offering peace of mind knowing that any potential financial losses are covered should something happen on the job site. For more information, call us at Commercial One Insurance Service today. We are proud to serve the Burlingame, CA area.

Top Three Home Invasion Risks

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Protecting your home is probably one of your top priorities. It is essential that you understand what risks there are to your home to adequately protect it, though. Commercial One Insurance Service, serving Burlingame, CA, and the surrounding areas, can help you decrease home invasion risks. Keep reading to learn more about the top three home invasion risks you should be aware of. 

Faulty Locks 

The locks on your doors are your first line of defense against home invasion. If these locks are faulty in some way, though, you increase your risk of a home invasion. You will probably notice a faulty lock pretty quickly because you are locking and unlocking the doors so often. However, the important thing is that you address the faulty lock quickly. It would be best if you did not let one day pass with a faulty lock on any door. 

If there are doors in your home that are not used very often, then you should regularly check the locks on those doors to ensure they are working properly. 

Faulty or Unlocked Windows

Another home invasion risk is faulty or unlocked windows. A faulty window would be any window that does not shut and lock properly and securely. This is more common than you might think. You should check your windows periodically to ensure they are closing and locking properly. If you discover a faulty window, waste no time having this repaired. 

Another home invasion risk is windows that work perfectly well but are left unlocked. This very risky practice can increase your chance of a home invasion. 

Hiding Keys 

Although you may think this is a perfectly acceptable practice because many people do it, you should be aware that hiding keys on your property does increase the chance of home invasion. A safer option is to have keys made for anyone you wish to grant access. 

If you want to learn about home insurance, please get in touch with us at Commercial One Insurance Service, serving Burlingame, CA, and the surrounding areas. 

Car Safety Tips for Driving at Night

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At Commercial One Insurance Service, an auto insurance provider, we are committed to helping drivers in the greater Burlingame, CA area stay safe on the roadways. This is why we provide tips to help you stay safe. Here are a few car safety tips for driving at night. 

Ensure Your Headlights Function and Illuminate The Road In Front Of You

It is crucial to test out your headlights at least once a month. Not only should your headlights illuminate, but they should be bright enough so that you can see the roadway ahead of you. If your lights are out or too dim to illuminate the path before you, they should be replaced. 

Drive a Bit Slower on Darker Roads

One of the biggest misconceptions about a posted speed limit is that it is the speed you must drive. That is only a recommendation when conditions are good. When it is darker, and you are unfamiliar with the road, do not be afraid to go a bit slower to stay safe. 

Avoid Looking Directly At Other Driver’s Headlights

This may sound like common sense, but unfortunately, many people look directly into other drivers’ headlights while driving. This can temporarily blind you or have you seeing stars. Avoid doing this, and instead, look down at the road as other cars pass you on the opposite side of the road. 

Pull Over and Rest If You Feel Tired

Lastly, always pull over and rest if you feel tired or start to doze off. Falling asleep at the wheel is a leading reason for car accidents. 

Tips can help you avoid an accident, but they cannot prevent all accidents. This is why it is so important to have great auto insurance that fully covers you. If you are in the market for a new auto insurance policy in the greater Burlingame, CA area, contact us at Commercial One Insurance Service to get the help you deserve.