Lucia provides excellent customer service. She is extremely knowledgeable and ask all the right questions to make sure you have the coverage you need. Not only was she able to save me money on my policies she actually got more more coverage. I know my policies are in great hands with Wind Rose.
Integrity. Guidance. Options.
Wind Rose Insurance
We offer a totally new way of getting your insurance.
Do you need a better Business Insurance Package?
Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in California.
At Wind Rose Insurance Agency, we can design a specialized package according to your property, liability, and casualty needs.
We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.
Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give us a call today.
Commercial Package policy vs. Business Owners Policy (BOP)
Think of a Commercial Package Policy as a stereo system where you buy each component individually. So you would buy the receiver, speakers, remote, and every other part and accessory separate from each other.
In contrast, a BOP policy is much like a stereo-in-a-box. All of the pieces you need come pre-packaged.
Business Insurance Products
- Business Owners Packages (BOP)
- Commercial Auto
- Business Personal Property
- Business Umbrella Policies
- Equipment Floater
- Risk Management
- General Liability
- Retail Stores
- Professional Offices
- Property Managers & Owners
- Workers Compensation
- Commercial Building Property
- Apartment Owners
- Condominium Owners
- Store & Lock Centers
- Retail Stores
- EPLI – Employment Practices Liability Insurance
- Professional Liability Insurance
- Directors & Officers
- Cyber Liability
- Medical Professional
- Service & Repair Insurance
- General Repair Shops
- Auto Body Shops
How to get started with your Business Insurance Comparison
No two businesses are the same, so it’s important to speak to a qualified Business Insurance professional like us, who can sift through your various options. The last thing you want is some cookie-cutter policy that’s riddled with exclusions and limitations.
General liability insurance
What does General Liability Insurance Cover?
Business is inherently risky, but General Liability insurance protects against many known and unknown risks.
Simply put, CGL guards you, your business and your employees from claims involving bodily injury or property damage born out of your business operations. These policies cover the expense of out-of-court settlements, litigation and judgments awarded by courts. Often times CGL is paired with BPP (Business Personal Property) coverage in a BOP (Business Owners Policy).
Here are a few things you can expect General Liability Insurance to cover:
- Lawsuits, investigations, and settlements
- Injury damages
- Advertising/Copyright claims
What’s involved with getting CGL Insurance?
With any type of insurance there are certain underwriting and eligibility questions that must be answered in order for the insurance company to determine what the final rating will be.
Our agency will guide you through the process and make it easy. Many times companies will require you to show them a certificate of insurance before you can do work for them.
This proves to them that you have active insurance coverage, which is typically a requirement if you’re running a business in most states.
If you’re confused by any of this don’t worry, we’ll make the process easy. Give us a call and we can help you get the process started when you’re ready.
Commercial property insurance
Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.
Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary and vandalism.
It may not be enough to cover just the building; the aftermath of such damage should be covered as well.
Wind Rose Insurance Agency will help you find the best coverage possible for your business!