Commercial Insurance
Insurance Tailored to Fit Your Needs
You’ve poured your heart and soul into your business. You’ve worked hard to get it off the ground. You and your employees depend on its success. That is why it is important that you insure your business properly. Give your business the protection it deserves by securing a commercial insurance policy with the help of Migz Insurance Agency.
Workers’ Compensation
We all know getting hurt costs money. Which is why it is important that you provide insurance to protect your business when an accident happens.
The California Department of Insurance states, “Depending on the circumstances of the injury or illness, injured workers are entitled to specific benefits as structured by workers’ compensation insurance. There are five basic types of workers’ compensation benefits that include medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits, and death benefits. Injured workers may be entitled to one or more of these benefits.”
General Liability
The California Department of insurance states, “There are three primary coverage sections that make up a Commercial General Liability policy:
- premises liability
- products liability
- completed operations
Premises liability covers liability for accidental injury or property damage that results from either a condition on your premises or your operations in progress, whether on or away from your premises. A products liability hazard exists for any business that manufactures, sells, handles, or distributes goods or products. The hazard being the potential liability for bodily injury or property damage that arises out of your goods or products. Completed operations covers your potential liability for bodily injury or property damage that arises out of your completed work.”
Contact Migz Insurance Agency to explore your options.
Commercial Property Insurance
The products and the people that make up your business are important to you.
The department of insurance states, “Buildings you own or lease as a part of your business, your business personal property, and the personal property of others make up the basic coverage sections of commercial property insurance. Commercial property insurance can be sold separately as an Individual Line policy (referred to as a monoline policy), or it can be sold as part of a Commercial Package Policy (CPP), which combines two or more commercial coverage parts such as commercial property, general liability, and commercial auto.”
Other Types of Insurance Offered
Migz Insurance Agency works with clients on a case-by-case basis to assess each client’s personal needs individually.
- Commercial Health Insurance
Other lines of insurance are available. Contact Migz Insurance Agency.
