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COMMERCIAL SERVICES

At Rojas Insurance we pride ourselves on our ability to get business owners on their feet! We have several carriers and options to go through in order to match your wants and needs.

Depending on your business, coverage can vary or be tweaked, our carriers have lots of add ons you can place on your policy to cover aspects of your business such as location, equipment, fleet vehicles, and much more!

AREAS OF EXPERTISE:

RETAIL

CONSTRUCTION/TRADE

BARBER/SALONS

JANITORIAL

Fashion Store Keepers
Construction Managers
Hair Salon
Carrying Cleaning Supplies

General liability coverage is a type of insurance that provides protection for businesses or individuals against claims for property damage, bodily injury, and other types of personal injuries. This coverage typically pays for damages and legal expenses that the insured may become legally obligated to pay as a result of a covered incident, up to the policy's limit. General liability insurance policies typically cover a broad range of risks that a business may face, including accidents that occur on the business premises, product liability claims, and claims arising from advertising and personal injury. For example, if a customer slips and falls in your store and sues your business for medical expenses and lost wages, your general liability insurance would typically cover the costs associated with the claim, up to the limits of your policy.

Business property coverage is a type of insurance that provides protection for a business's physical assets, such as buildings, equipment, inventory, and other tangible property. This coverage typically pays for damages or losses that occur as a result of covered events, such as fires, theft, vandalism, and natural disasters. Business property coverage can help protect your business from financial losses that may arise if your property is damaged or destroyed. For example, if a fire destroys your business's building and equipment, your property coverage would typically pay for the cost of repairing or replacing the damaged property, up to the limits of your policy. It's important to note that business property coverage can be customized to meet the specific needs of your business. For example, you may need additional coverage for certain types of equipment or inventory, or you may want to add coverage for business interruption losses, which can help cover lost income if your business is unable to operate due to a covered loss.

A performance bond is a type of surety bond that specifically guarantees that the principal will perform the work or services outlined in a contract. If the principal fails to complete the work according to the terms of the contract, the surety will step in to ensure that the obligee is compensated for any losses or damages. Performance bonds are commonly used in the construction industry, where they provide assurance to the project owner that the contractor will complete the work as specified in the contract. In the event that the contractor fails to meet the requirements of the contract, the surety will be responsible for compensating the project owner for any damages or losses incurred.

Business income coverage is a type of insurance that provides protection for a business's lost income and operating expenses if it is forced to temporarily close or suspend operations due to a covered loss, such as a fire, theft, or natural disaster. This coverage typically pays for the income the business would have earned if the covered loss had not occurred, as well as any operating expenses that continue during the period of interruption, such as rent, salaries, and utilities.

Umbrella insurance is a type of liability insurance that provides additional coverage beyond the limits of an individual's or organization's existing insurance policies. It is designed to protect individuals or organizations from major claims and lawsuits that exceed the limits of their primary insurance coverage. Umbrella insurance typically covers liability claims for bodily injury, property damage, and personal injury, as well as claims involving defamation, slander, and libel. The coverage is usually provided in increments of one million dollars or more and can be used to cover the costs of legal defense, settlement, and damages awarded in a lawsuit. Umbrella insurance is often recommended for individuals or organizations with high net worth or those who engage in high-risk activities. It can also provide peace of mind to anyone who wants an extra layer of protection against unforeseen circumstances. Business property coverage can help protect your business from financial losses that may arise if your property is damaged or destroyed. For example, if a fire destroys your business's building and equipment, your property coverage would typically pay for the cost of repairing or replacing the damaged property, up to the limits of your policy. It's important to note that business property coverage can be customized to meet the specific needs of your business. For example, you may need additional coverage for certain types of equipment or inventory, or you may want to add coverage for business interruption losses, which can help cover lost income if your business is unable to operate due to a covered loss.

Inland marine insurance is a type of insurance policy that covers property and goods while they are being transported over land. Originally designed to protect goods transported by ships, the term "marine" in the name of the policy now refers to transportation of goods by any means, including truck, rail, and air. Inland marine insurance covers a wide range of property, including equipment, tools, and other items that are frequently moved from one location to another. This type of insurance can also protect goods in transit, such as products being shipped from a manufacturer to a retailer. In addition to covering property in transit, inland marine insurance can also provide coverage for property that is stored in off-site locations, such as a warehouse or a storage facility.

Commercial fleet insurance is a type of insurance policy designed to cover a group of vehicles used for business purposes, such as delivery trucks, company cars, and other types of commercial vehicles. It provides coverage for a fleet of vehicles owned by a company or organization and is usually more cost-effective than purchasing separate insurance policies for each vehicle. Commercial fleet insurance typically provides coverage for liability, collision, and comprehensive damage to the vehicles in the fleet. Liability coverage protects the company from legal liability for damages or injuries caused by the fleet vehicles, while collision coverage covers the cost of repairing or replacing the vehicles in the event of an accident. Comprehensive coverage provides protection against damage or loss resulting from non-collision events, such as theft or vandalism. Commercial fleet insurance policies can be customized to fit the specific needs of a business, including coverage for specialty vehicles, such as refrigerated trucks or construction vehicles. Some policies may also provide coverage for non-owned vehicles, such as rental cars used for business purposes.

Commercial auto insurance is a type of insurance policy that provides coverage for vehicles used for business purposes. It is designed to protect businesses and their employees from financial loss in the event of an accident, theft, or other damage to their commercial vehicles.

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