Category: Commercial Insurance

Ensuring your business has the right commercial insurance policies is critical. The types of insurance your business needs will depend on various factors, such as the nature of your operations, the goods or services you offer, and whether or not you have employees. When you need commercial insurance, don’t hesitate to contact us at Reinas Insurance Agency Inc. in Pasadena, CA.

Worker’s Compensation

Worker’s compensation insurance is a requirement if you have employees. This coverage helps pay for expenses related to workplace injuries. Medical bills, legal fees, lost wages, and ongoing therapy costs could be covered through this policy. Having such a policy can protect your business from significant bills that could strain your finances.

Cyber Insurance

With a significant part of most businesses now online, data breaches have unfortunately become commonplace. These incidents can result in customer data being stolen and leaked, causing serious complications. Cleaning up after such incidents can be costly, and this is where cyber insurance steps in.

Commercial Auto Insurance

If your business owns one or multiple vehicles, each must be covered by a commercial auto policy. Regular personal insurance won’t cover accidents involving work vehicles. As such, having this insurance in place is crucial as soon as your company acquires a vehicle. Medical bills and auto repair expenses can accumulate quickly after an accident, and auto insurance can cover these costs.

Acquire Your Commercial Insurance in California

To determine the exact types of commercial insurance your business needs, contact Reinas Insurance Agency Inc. in Pasadena, CA.

Unlike other forms of insurance, commercial insurance comes in several types, making it hard to understand exactly what you need when you begin looking for the right coverage for your business. Are you looking for commercial insurance but don’t know where to start? Here’s what you need to know about the different types of commercial insurance and how we at Reinas Insurance Agency Inc. in Pasadena, CA, can help you navigate this complex form of insurance and help you find the best coverage for your business endeavors. 

Commercial Insurance Encompasses a Wide Range of Policies, But They Can Be Broken Down Into Two

Umbrella insurance generally falls into either property insurance or casualty insurance. Property insurance is relatively straightforward, helping you protect your physical property against theft or damages that could occur while you’re doing business, something that’s always a possibility regardless of whether you run a brick-and-mortar business or an online business. Meanwhile, casualty insurance may encompass forms of insurance like workers’ compensation or even automobile insurance if you have a business that does deliveries. Some companies may need both categories of insurance, and others may only need a few from each category. 

Find What You Need Here With Reinas Insurance Agency Inc.

No matter what type of business you run, having commercial insurance can mean the difference between potentially closing down and having the coverage you need to navigate complex challenges and emerge victorious. Here at Reinas Insurance Agency Inc. in Pasadena, CA, we’re here to help you find the right commercial insurance for your business needs. Contact us today or compare quotes now if you already have an idea of what types of commercial insurance you need for your online or physical business!

When you own a business in California, there are a number of types of commercial insurance that you may need, depending on your type of business. There are also a couple of types that are mandated for certain businesses. It’s a good idea to know what the required policies are in case your business must have one. It’s also smart to look into other types of commercial insurance that you may need such as general liability and cyber insurance.

When you need any type of commercial insurance, call us at Reinas Insurance Agency Inc. in Pasadena, CA.

Workers’ Compensation Insurance

Workers’ compensation insurance is a type that protects both businesses and employees from the costs of accidents and illnesses that come with medical bills and other expenses. When someone is injured at work or gets a disease that is work-related, the policy will pay for expenses like lost wages and medical bills. This protects the liability companies have for workplace injuries and illnesses.

For employees, it makes the funds they need available to them in the event of an accident. It’s important for businesses to have this coverage not just because it’s required for all California businesses with any number of employees but also because it protects your business financially. 

Commercial Auto Insurance

When you have a California business that owns a vehicle, it’s important to have a required commercial auto policy for it. This goes for all vehicles that your business owns. The policy is required to cover the vehicle against liability, but you can add other types of coverage as well. The law requires the policy to have coverage for both property damage liability and bodily injury liability. These only cover the damage done to someone else’s property or their injuries.

To cover your own property, you can add collision and comprehensive coverage onto your policy. This will protect the vehicle against a wide range of risks. 

Get Your Commercial Coverage

When you need commercial insurance, we can help. Call us at Reinas Insurance Agency Inc. in Pasadena, CA.