WELCOME TO BUSINESS INSURANCE SERVICES

We would like to take this opportunity and thank you for your time, trust and opportunity to introduce and educate you on all the commercial insurance products we offer and service for the protection of your most valuable assets. Business Insurance Services has it’s headquarters located in Burbank, California but services customers throughout the entire state. We are a one stop insurance agency with the best prices and packages to ensure the best protection on all your business insurance needs.
At Business Insurance Services we offer a simple, convenient and educational insurance experience. We ensure that in this difficult time of economic hardship you will get the best prices with the most insurance protection your business may need.
Just like your business is important to you, your employees, clients and community, it is also important to Business Insurance Services to insure that each business is protected to the fullest in a time of loss in order to protect the interest of everyone involved.

Business Insurance Services takes pride in offering the best products and services to ensure that our customer’s are always protected. We offer a wide range of commercial insurance and valuable services to help protect our customer’s against any losses or financial burden.

One of the most common known insurance coverage is Commercial General Liability Insurance. The first thing that landlord's require in signing a lease is a General Liability Insurance policy. Although landlord's have their own insurance coverage on their property, they want to make sure their premises are also protected in case of a liability loss. In most cases business owners only get insurance to satisfy their lease contracts. This is by far the worst mistake you can make if you buy the policy to only satisfy your lease.
As a business owner it is in your best interest to protect your most valuable assets. You need to protect yourself and your finance if you ever become a liability exposure to another party.
If you don't have a Business Owners Policy, you should at least have a General Liability Policy to protect your business and yourself.
General Liability Insurance provides separate coverage limits for general liability, fire legal liability, product liability, completed operations, personal and advertising liability and medical payments to others. These coverages protect you incase of a slip and fall, accidental fire loss to your premises and health issues to others because of your products. A newly acquired business should buy several basic types of insurance policies to protect itself in different scenarios but it is most important to start with a General Liability insurance to protect your products and the well being of others.

Business Owners Policy includes coverage for property, liability and loss of income in a single package to help protect your business. Most business owners policies can be tailored to your specific business needs with customized coverage options. Because all businesses are different, the key to the Business Owners policy package is the flexibility and affordability it provides in allowing you to choose the specific insurance coverage your business needs at the most minimal cost. Your insurance package will include Liability coverage, Property and Content coverage, crime, forgery, dishonesty coverage, monies and security coverage, equipment breakdown as well as additional coverage options.
For Business owners the choices and options for insurance are wide and there are many different types and variety of levels of coverage available. It is important to determine the coverage needed for each specific business to ensure that the business has the adequate level of insurance coverage in case of replacing or rebuilding the business due to a catastrophic loss. Business Owners insurance package is usually issued for small to medium size businesses that have less than $10 million annual revenue. The insurance coverages provided are to cover damages or destructions of property of the owner, Injury or Damage to another person or property, Business Interruption and Extra Expense Compensation for lost profits and business fixed costs. In addition, it is best to speak to a licensed agent to help you understand insurance terms, contracts and limitations or waivers of coverage.

The policy for workers compensation is coverage to protect all employees that are on the business payroll against injuries or diseases caused by and during the course of employment.

Workers Compensation is a must for both the workers and business owners.
First and foremost Workers Comp is known for its benefits to the employees. If employees are injured during work, the workers compensation insurance provides them with medical treatment, payment for lost time, disability, and even in assistance to return to their current job.

However, the workers compensation system protects not only the employees but also the employers. Before Workers Comp became mandatory and was signed into law, when workers were injured they had to sue their employers for help with their medical and necessary expenses.
For the worker, this meant the denial of benefits or a long wait. For the employer, this meant possible financial disaster if the employee won the lawsuit in court. The workers compensation insurance became the answer to both problems. This replaced the liability of the employer and employees with injuries or illnesses caused by work can get treatment quickly without having to prove fault to the employer.
With carrying workers compensation coverage, employers can protect themselves against lawsuits and large medical bills. As long as the injury or disease has resulted from work, workers compensation insurance benefits will protect both your employees and your most valuable asset, your business.

Business or Commercial Auto Insurance policies provide coverage to vehicles or commercial fleets used during the course of business. Whether you use your company vehicles to meet customers, make deliveries or provide services, a commercial auto policy provides liability coverage in case of injury or damage to property of others, and comprehensive and collision coverage during catastrophic and accidental losses to all covered vehicles. In addition, commercial auto policy covers any car used to provide services.
The auto insurance liability against third parties, required in most states, covers medical expenses for bodily injury and property damage of others resulting from an automobile accident caused by negligence of the insured.

While the types of coverage provided by the personal insurance and commercial auto are basically the same, there are important differences. In general, the policies of commercial auto insurance liability limits are higher, for example, $750,000 or $1 million in coverage.
These policies also may have provisions that cover rented vehicles and other vehicles you do not own, including employee-owned cars, which are used for commercial purposes of the company. Here are some tips you should keep in mind for shopping for Commercial Auto insurance.

The surety bond is a guarantee of an attachment to a prior agreement or legal obligation, which allows a low cost way to meet the demands of a common business operation. A surety bond may be a substitution for a security deposit for institutions such as Department of Motor Vehicles, Board of Equalization, and the state in which you decide to do business in. Most common surety bonds are requested for Construction businesses, Auto Dealers, Auto Sales and Leasing agencies, Insurance Agencies, Notary Public offices, Retailers who charge sales tax, medical marijuana dispensaries, Bid Bonds and so on. If a surety bond is required the agency which you apply your business with will give you the requirements. In basic terminology, surety bonds basically provide coverage for losses caused by the breach of certain obligations of the applicant or policyholder, to the creditor or oblige.
A bond is a security instrument by which the insurer or company guarantees the beneficiary the obligations stated on the contract. The surety bonds are used for compensation to the insured to a certain sum of money if the policyholder fails to meet the commitment in the contract. The surety bond policy is to supply as a means of guarantee, deposit cash or bank guarantees which are very expensive. Get a Surety Bond Quote