As a business owner, you’re probably wondering what specific business owners policies are available to make sure you have the right coverage in Irvine. As your local commercial business insurance experts, located at 2151 Michelson Dr., Ste 150 in Irvine, California, BearStar Insurance Services, leverages 100 years of experience in the industry, helping business owners like yourself discern what policies are best for your individual commercial business.
We understand you have questions about the different types of insurance we offer in regard to your commercial California business. Learn more about must-have business owner’s policies in Irvine.
What’s a Business Owner’s Policy?
Let’s first explain what a business owner’s policy is. A business owners policy, or what’s also referred to as business owners insurance, is a combination commercial policy that covers your business property and general liability.
“A business owner’s insurance policy (BOP) is designed with your company property and liability in mind. Common additions to a BOP include cyber liability, employment practices liability, and even commercial auto insurance coverage,” explains Gino Clemente, BearStar Insurance Services founder and director.
What Must Your Business Owner’s Policy Include?
Coverage for Your Business Property
What would you do if your business property is vandalized in the middle of the night? Your current property insurance may cover the bricks and mortar or the actual building, but what about everything else? What about what’s inside your commercial business, like your office furniture, computers, and any other valuables, are those protected?
With customized business property insurance from BearStar, we’ll meet those individual needs by protecting your buildings, business property, tools, and equipment that you need for day-to-day operations. It also covers business continuation, so you, as a local commercial business owner in Irvine, won’t have to incur any costly interruptions to your business and face any financial losses.
By providing your business with funds to replace the essential business assets that were stolen or vandalized, BearStar Insurance Services will quickly and seamlessly make sure your commercial business moves forward and continues to run smoothly.
General Liability Insurance Coverage for Your Commercial Business
Businesses don’t just appear out of thin air – they’re built out of the blood, sweat, and tears of their owners. But a single accident, such as a customer being injured while visiting your business, could erase all those years of work in an instant.
This is why we offer general liability coverage as part of a business owner’s insurance policy: to protect business owners from losing everything they’ve built. It protects your premises, products, contractual, personal and advertising injury, alongside other potential liabilities.
We live in a lawsuit-happy society, which means it’s more important than ever to opt for business insurance. You’ve worked hard to build your business, so we work hard to make sure it’s covered exactly how you need it.
What Must-Have Business Owner’s Policies Are Right for You? Contact Us Today!
Located conveniently in Irvine, at BearStar Insurance Services, our products and services cater to the needs of Southern California commercial businesses, including a business owner’s policy, options for commercial vehicle insurance, and employment practices liability insurance.
Leveraging over 100 years of experience, BearStar Insurance agent specialists have a deep understanding of what California Business Owner’s need – and don’t need – when it comes to their insurance coverage. From general business and workers’ compensation to independent contractors and cybersecurity, we work with some of the best carriers in the industry to provide you with custom-fitted, comprehensive protection at the best possible price. We value the relationships we build with our clients; fill out this form to get a quote or call us today at 949-979-5251 to speak with your local Irvine agent.