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Full Service Health Insurance and Medicare Brokerage!

Health Care Ins

We are a  full service general agency that covers all types of insurance from individual health plans through covered CA, and employee benefit plans for small business. We are directly appointed with every major health carrier's on and off exchange! 

Health INSURANCE agency

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Individual Health Insurance

  

  • Individual Marketplace - Manage enrollments within Covered CA and in the private marketplace through tax credit and incentive planning. 

Medicare Advantage Plans

  

  • Medicare Brokerage - Current and active broker for Medicare Advantage Plans, also known as Medicare Part C, are combination plans managed by private insurance companies approved by Medicare. They typically are a combination of Part A, Part B and Part D coverage, and must cover medically necessary services. 

Employee Benefit Plans

  

  • Group Employee Benefits - Develop short and long-range employee benefit goals and strategies. Partner with the Human Resources and Benefits team in the administration of all group insurance plans including responding to questions from and providing information to staff and providing other benefits-related advisory services throughout the plan year.

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Full service small business commercial insurance general age

Small Business

We write all lines of commercial insurance from bonding, Workers Comp, Employment Practice's Liability, General Liability and comprehensive small business owner packages with Hiscox Insurance, Builder trade and State Fund.

small BUSINESS INSURANCE liability

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Commercial General Liability

What is Commercial General Liability?


General liability insurance, sometimes called business liability insurance and commercial liability insurance, provides coverage for your business against claims of bodily injury, damage to property, personal injury and associated medical costs.


Why do I need General Liability Insurance?


As a business owner, you should make sure your business is properly protected against risks or unforeseen events. Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else's property. However, it does not protect your own personal property. This section explains what our business general liability insurance offers. You should consider general liability insurance coverage if employees:


  • Interact with clients face to face - If you visit a client’s place of work, or clients visit yours
  • Have access to a client’s equipment - For example, IT professionals should be covered against potential claims with IT business liability insurance
  • Represent your client’s business
  • Are required to have general liability insurance before entering into a contract


What is covered?

  • Bodily Injury
  • Damage to third party property
  • Personal injury
  • Advertising injury
  • Electronic data liability
  • Medical expenses
  • Defense costs
  • Actions of your full-time employees and temporary staff
  • Supplemental payments


What is not covered?

  • Your property
  • Vehicles and boats
  • Personal identifiable information
  • Professional services
  • Employee injury / workers' compensation
  • Intent to injure
  • Coverage outside policy period
  • Known claims prior to start of policy


Cost of General Liability Insurance coverage


The majority of small businesses pay $30 per month or less for general liability insurance coverage. More than 80% of small businesses pay $30 per month while 95% pay $50 per month or less. Only 1% have a general liability insurance cost of over $100 per month.

We surveyed 50,000 small businesses with fewer than 10 employees to determine how much they pay for general liability insurance. General liability insurance protects your business from a third party’s claims of property damage, and bodily injury and associated medical costs. The cost of general liability coverage can vary due to factors like the business’ size, location and industry, as well as the limits and deductibles that are selected. Based on the analysis, the typical cost for general liability insurance was approximately $30 per month.



Professional Liability Insurance E & O

 

What is Professional Liability Insurance?


Professional liability insurance, also called errors and omissions insurance (E & O insurance) or indemnity insurance, protects your business if you are sued for negligently performing your services, even if you haven’t made a mistake. View our quote examples to understand how much professional liability Insurance Cost. Some examples of what could be covered are below.


Why do I need Professional Liability Insurance?


Professional liability insurance coverage gives your business protection from the risks you face in delivering your professional services. The section below discusses everything our professional liability insurance coverage offers since we want you to feel secure about what your policy does and doesn’t cover. You should consider professional liability insurance coverage if your business:


  • Provides a professional service.
  • Regularly gives advice to clients.
  • Is requested by a client to have professional liability insurance to complete a contract.


What does Professional Liability Insurance cover?


  • Alleged or actual negligence
  • Defense costs
  • Personal injury (e.g., libel or slander)
  • Worldwide coverage
  • Temporary staff and independent contractors
  • Claims arising from services provided in the past
  • Claims and damages


  • Bodily injury or property damage
  • Fraudulent acts
  • Employment matters
  • False advertising
  • Patents and trade secrets
  • Personally identifiable information
  • Other services