Don’t Take Our Word For It… Here’s What Clients Who Trust Stromsoe Insurance to Protect Everything They Work So Hard For Have To Say:
“No other organization we have ever dealt with has the depth of resources that Stromsoe Insurance and their teams have. For all of our businesses, every step of the way, they make sure our risk management, safety, HR and protection are all current. 100% recommend SIA!” Douglas Fore- Hacienda La Puente School District – Client since 2016
“We are so pleased with your organization; it makes our job so much easier to have people like all of you to work with. I recently shared this with another local business owner, we both praise you guys to the hilt!” Dorcas Shaktman – Assistance League of Temecula Valley Temecula, CA – Client Since 2012
Business owners must do everything in their power to protect their organization. In doing so, you must have a comprehensive business insurance policy. With the array of coverage options surrounding business insurance policies, you may be wondering which you actually need and which are just wasteful. Gathered is a list of the basic coverage options your business needs to survive:
Business property insurance will provide the structure of your business, its inventory, and all business equipment with protection against a variety of covered perils. If your structure is affected by a damaging fire, your business property insurance policy will kick in to cover your business’ assets.
Business liability insurance allows you to receive peace of mind knowing nothing can bring your organization down. If someone claims that your product or service was not provided in the manner promised, your liability coverage will protect you from any lawsuits. Additionally, if a client is injured on your business property, your business liability insurance would provide you with legal defense and the injured client with medical expense coverage.
Worker’s compensation provides both employees and employers with a variety of benefits. Employers can rest assured that any injured or ill employees will receive medical expense coverage. This coverage extends to any injuries or illnesses that are caused by work operations.
Commercial auto insurance is a required insurance policy for any organizations that depend on the use of work vehicles for business operations. Some small business owners fail to realize that this is required even if your employees operate their own vehicles for work relations.
Contact Stromsoe Insurance Agency in Murrieta for all of your California business insurance needs. We understand that the various insurance options available for business insurance policies are complex and may seem confusing. Allow us to personalize a unique business insurance policy that will meet the exclusive needs of your organization.
In today’s world, no one disputes the need for insurance. And any business owner, from a huge corporation to a mom-and-pop part-time venture run from a room in their home, will testify that insurance is a vital need, and certainly a priority. But, there are many kinds of insurance, and there is no "one size fits all" package.
Because plans and coverage have multiple components, and policy costs can vary widely, we know that you require a partner in order to ensure the best possible solutions to your insurance needs.
Navigating through the world of commercial insurance is a job for professional advisers; and Stromsoe Insurance Agency has those experienced professionals to assist you with casualty insurance, property insurance, your state’s mandated workers compensation insurance, automobile coverage, and commercial general liability and umbrella insurance. We also deal with specialty insurance; and we will work with you to ensure your understanding of how all your policies can work together to protect your business and contribute to your financial stability.
Whatever your individual circumstances, and whether the insurance you are considering is required or optional, California business owners can be confident that our knowledgeable, professional agents consider your satisfaction their highest priority. If you are a small business owner, we will also coordinate your personal coverage. We are an independent agency, licensed in 17 states.
For answers to any questions you may have, or to arrange a consultation, contact us at your convenience at our conveniently-located offices in Murrieta.
The Insurance Information Institute explains why it is so important that business owners have professional liability insurance. Many people who own their own business, regardless of whether they conduct business from their homes, or from another place altogether, may not realize the importance of adding PL insurance to their existing business owners policy or in-home policy.
The reason this type of insurance is so important is because of the possibility that a client could sue you, and if that were to happen, you might lose everything for which you’ve worked so hard. Should you get sued, PL insurance is designed to protect you.
As a professional, you are held to a certain standard, based on the knowledge and training you have in the field you work in. If you fail to provide your service with the skill and professionalism that your profession demands, a court could hold you legally responsible for your client’s suffering. When a liability claim is filed and it is determined to be the result of negligence, PL insurance is referred to as “errors and omissions liability.”
Don’t risk losing everything because your business gets sued. Contact Stromsoe Insurance Agency for information regarding all of your business, professional and other insurance needs.