Business Insurance

Insurance for Accountants

Accountants are exposed to a great deal of risk. One of the most dignified occupations is exposed a number of errors and omissions lawsuits. If a client makes a significant financial investment based on faulty accounting, it can result in a damaging lawsuit.

At Bravo Insurance our insurance options for accountants include comprehensive liability coverage. In addition to errors and omissions protection, we can find ways of combining various other business policies into one umbrella policy. Need your company cars insured? We can help. Want to fold your general business liability in with your accountant’s policy? Not a problem.

We understand you have questions about our insurance options for accountants. Our agents are committed to helping you find the best rates – and the best coverage. Contact us today to learn more about your options – or get a free Accountants Insurance quote now!

Business Owners Policy

A business owners policy is an insurance package that includes property and liability coverage’s to protect every aspect of your business. A BOP is generally designed to cover the needs of small to medium sized companies and is not suitable for larger businesses. Because a BOP is a package policy, Bravo Insurance is able to offer it at a very reasonable rate. Fill out the simple form below to receive a free quote today!

Businesses are exposed to risk on a daily basis. If you own a restaurant, your chef could slip and fall in the kitchen. If you own a contracting business, your builders are exposed to heavy equipment, sharp objects, and towering heights. If you own an IT company, you could accidentally confuse some numbers causing a client to lose a lot of money. Securing your business from the many risks that threaten it is essential.

Typically a business owner’s policy will include the following coverage:

• Property insurance including buildings, equipment, and inventory.

• Business interruption insurance. If your business is unable to produce revenue due to halted operations, this type of coverage will offset lost profits or continue paying your owed expenses.

• Casualty or liability protection. This product will secure your business from harm caused by the employees or products to other people.

• Crime insurance. If your business is robbed, burglarized, or vandalized in any way, crime insurance will kick in. It will also cover losses due to employee theft and/or embezzlement.

• Liability insurance. Lawsuits are common and judgments are high, protecting your business with liability coverage will give you peace of mind knowing that your company and its assets are safe.

• Vehicle coverage. Your business may have one car or a fleet of vehicles. Commercial auto coverage will cover your company’s vehicles from any accidents that may arise.

If you would like an analysis of your business’s current insurance coverage or need to secure a BOP policy right away, Bravo Insurance can help. We will find you the best coverage’s available so you can feel secure knowing your business is covered.

California Workers Compensation by Bravo Insurance

At Bravo Insurance, our in depth knowledge has provided us with the ability to recognize specific risk exposures—and develop superior coverage strategies in which we can fully combat them. One issue in particular, which requires our expert attention, is California workers compensation.

In its simplest form, the California workers comp system acts as the most effective process available to get an injured worker back to the workforce as soon as possible. Additionally, it provides the employee with peace of mind; reassuring them that if an on-site accident was to occur, they would receive appropriate medical attention—without the harsh costs.

As a business owner, you are required to have California workers compensation insurance in order to comply with state and federal regulations; but that doesn’t mean that just any policy from just any old agency will do. You need coverage strategies tailored by the leading insurance specialists found here at Bravo Insurance.

The best workers compensation package will help protect your employees in the event of injury or illness during the course of employment. Our strategies for California workers compensation can provide coverage for:

• Medical expenses

• Lost income/wages

• Rehabilitation costs

• Death benefits

• And more…

But, as a busy local business owner, how can you better determine what you need out of your California workers compensation coverage? Thankfully, will our clients benefit from a thorough coverage review, when working with Bravo Insurance, allowing us to custom-build the perfect policy. Through a careful evaluation of your operation we can determine exactly what your specific business venture needs to adequately protect you and your employees.

Remember we’re proud to serve the entire Southern California area with the superior commercial insurance products you deserve, so don’t hesitate to call! Contact Bravo Insurance to learn more about our California workers compensation packages – and beyond – discover how you can better protect your business and your professional team today!

Excess Liability

Owning a business is difficult task. As a business owner, you worry for the future of your company in a time when many businesses are going under. In addition to making sure the company is growing, you must also plan for mistakes or accidents that could potentially devastate your business. The best way to deal with an unsatisfied customer and a potential lawsuit is through umbrella or excess liability insurance.

Umbrella or excess Liability insurance will cover your business from catastrophic issues that threaten its security. An excess liability insurance policy acts as an umbrella to your basic liability insurance. This type of coverage kicks in when a claim is made against you that exceeds the amount of your existing liability coverage. Umbrella liability insurance provides a safety net when your other business coverage has been exhausted.

Your basic insurance policies are essential for your business’s survival. They offer your company a blanket of security with so many risks and dangers working toward bringing you down. But unfortunately, these coverage options will only cover you to a certain extent.

Give your business the coverage it needs with umbrella insurance from Bravo Insurance.

General Liability

Does your business have enough liability coverage?

If you are relying on the liability coverage provided through a Business Owner’s Policy (BOP), then chances are you do not have enough. Although a BOP does provide liability coverage for businesses, it is often at a small limit and not enough to cover costs due to claims and lawsuits.

Does your business qualify for general liability coverage?

It is important to know which market your business falls into before you shop for liability insurance. Those businesses that fall into the “excess surplus market” (i.e. “dangerous” occupations such as roofers, siders, etc.) have to purchase excess liability insurance. If your business falls into the “standard market” (i.e. technology companies, lawyers, etc.) then you qualify for general liability insurance.

General liability insurance protects your business from a variety of things. Typically, your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability line:

Business Personal Property (BPP)

Protection of your business’ property from:

• Fire

• Theft

• Vandalism

Claims due to:

• Bodily injury

• Property Damage

• Terrorism coverage

• And more….

General Liability insurance protects a business from many liability issues, but business owners should also consider adding specialized liability coverage like errors & omissions insurance.

Insurance for the Hospitality Industry

The hospitality industry is particularly exposed to risk. It’s the apex of a number of complex relationships and structural systems. From boiler rooms to conference rooms to the penthouse – if something needs to be repaired, business must go on regardless. This is where a viable, affordable liability policy is crucial.

In addition to general business liability, the hospitality industry needs specific liability coverage. At Bravo Insurance, we can help you find the Hospitality Insurance you need to protect your hotel or motel from equipment failure, patron theft, employee negligence, and a host of particular liabilities.

As hospitality-insurance specialists, we know how to protect you from harmful financial and natural disasters. General business liability is not going to be enough. You need more – and you need it now.

We understand you have questions regarding your insurance options. Our agents are committed to helping you find the best insurance rates – and the best insurance coverage. Contact us today to start a free Hospitality Insurance quote!

Insurance Risk Management

Does your insurance agent deserve their commissions?

Bravo Insurance has developed a simple test for you to determine whether your insurance agent is earning their commission. Proper insurance protection and trusting your agent is paramount to the success and growth of your business. The Agent’s Report Card will help you in determining if your agent is doing and providing a comprehensive Insurance & Risk Management Service Program.

You may not be aware of the services you need to fully protect your business from exposure to losses and to reduce the total cost of insurance. There can be a number of contributing factors that interfere in the way your insurance coverage is placed. The services you receive are limited to the agent’s expertise, experience and their commitment to you. The Insurance & Risk Management Services program outlines the services and commitment that should be part of the insurance program you are purchasing.

Cost is just one facet of your insurance program. Take the time to discover what others have found to be a true and valuable relationship through a comprehensive Insurance & Risk Management Service program.

Expect more from your agent. Contact Bravo Insurance to learn more about what we can do for you.

Wholesalers

Wholesalers deal with bulk goods and bulkier equipment and facilities. Moving pallets stacked with crates filled with goods from across the globe requires specific vehicles and potentially hazardous tools. Needless to say, any wholesaler worth his or her salt must have viable, comprehensive liability and commercial coverage.

At Bravo Insurance, we can design a wholesaler’s insurance policy that can indemnify your business from a host of risks. In fact, our risk assessment specialists can help you pinpoint some risks you may not have even been aware of.

Contact us – or fill out our online form below – to learn more about our wholesaler’s coverage today.