Commercial – Affordable Business Insurance

Why is business insurance so important? Because nothing is certain. Cheap business insurance is never comprehensive; business owners have the standard concerns of crime, earthquake or fire catastrophe, and Workers’ Compensation. But in today’s world, you must also consider employment practices liability because jury awards have doubled since 1994. And don’t forget the concerns of Cyber-Liability for businesses that buy, sell, or communicate through e-commerce.

HDA Insurance Brokerage finds you the best California Business Insurance protection. From catastrophes to Workers Compensation to E-commerce, we are here to help you protect what you have worked so hard to build.

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Workers Compensation
State law requires that every employer provide Workers Compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement/disability payments.
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General Liability
This coverage protects your business from claims arising from alleged bodily injury, personal injury, or property damage liability. It includes protection for services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs, or other related expenses.
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Business Property
This coverage protects personal property owned by your firm and used in your operations. Furniture and fixtures, equipment and machinery, raw stock, and finished goods all fall within this category. Personal property of others while located in your covered building or within 100 feet of the premises can also be insured. Contents located off premises are not covered and must be insured by alternate methods.
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Auto/Truck
This coverage protects you if one of your company vehicles is involved in an accident. It includes protection for bodily injury or property damage caused by you or an employee of your company. This policy can be bought alone or a part of your commercial insurance package policy.

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Umbrella
This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to that provided by the underlying coverage.
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Bonding
Protection provided by a bond is not insurance. Coverage under an insurance policy involves a two-party agreement whereas in a bond, the person who pays the premium, known as a principal, is bonded for an action by a surety for the benefit of a third party commonly called a beneficiary. Bonds are distinguished between Surety bonds, which guarantee the performance of a contract, or Fidelity bonds, which protect against the dishonesty of employees.
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Inland Marine
Property that is mobile in nature has been traditionally handled on these types of policies. A wide variety of forms and co-rages has been developed to handle the needs of this property.
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Employment Practices Liability
This insurance is used to protect against lawsuits by employees alleging wrongful termination, discrimination, harassment, or other specified employment related exposures.
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Business Income
This coverage protects you from an interruption in the ability for your company to do business due to a covered event. Business income protection gives you the money to continue to pay your bills and vendors for a predetermined amount of time or up to the limit of insurance.
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Transit/Cargo
This is a special form of coverage that provides protection for property while in transit. Such property can include coverage for owner’s property or property of others in the care custody or control of a carrier.
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Crime
This coverage provides protection against loss due to criminal acts of others. Several types of exposures can exist which require consideration when analyzing your crime protection insurance.
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HDA Insurance Brokerage is committed to each client and the community around us. This commitment is proven by the no-nonsense approach and straightforward responses that each client will experience. For comprehensive results, we highly recommend shopping your business insurance needs 30 days in advance. Contact our office today for a quote!

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National Producer #: 2525536
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