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AUTO
San Diego auto insurance, and auto insurance anywhere for that matter, protects you from monetary losses if you get into an accident. It is an agreement between you and your insurance company, in which you agree to pay the yearly or monthly premium, and your insurance company agrees to pay for a certain amount of your losses, which is detailed in your policy. Auto insurance can include property, medical, and liability coverage. The property coverage will pay for the theft of or damage to your care. Medical coverage will include the cost of treating physical injuries, rehab, and occasionally lost wages, depending on the policy. And liability coverage pays for the cost of bodily injury or property damage caused by the other person in the accident.
HOME:
Homeowners insurance offers monetary protection against disasters, natural or otherwise. Most policies insure both the home itself and the possessions you keep within it.
Homeowners insurance is a package policy, which means that it covers both your legal responsibility for any bodily or property damage done to other people outside of your family, as well as covering the damage to your property or body.
There are some exceptions to what your homeowner's insurance will cover, in terms of disasters. In the case of earthquakes, floods, and poor maintenance, you usually have to buy separate policies to be covered.
BUSINESS: Small Business Insurance Basics and Product Liability
Insurance companies will often put together a plethora of different insurance coverages into one package, to be sold as a single contract. For small businesses, the most common policy is called the Business Owner's Policy (BOP). For additional information email us at bob@kipperinsurance.com
Not all businesses qualify for a BOP—only small or medium-sized businesses that meet specific criteria. Insurers take the size of the property, the limits of liability, and the type of business it is, all into account before deciding on a policy. The premiums for a BOP are based on those things, as well as the location of the business, the financial stability of the company, the construction of the building itself, potential fire hazards, security issues, and more.
The other types of insurance for businesses that are not considered as BOPs include general liability and workers compensation. Contact a local California or Nevada insurance agent to learn more about BOP insurance.
LIFE: KEY MAN LIFE INSURANCE
A key person in your company is defined as a person who is the main contact for customers or suppliers, or is part of the management of the business. The loss of this key person will affect your business by making it less efficient—therefore losing you money.
The loss of a key employee by death or disability is insurable. These policies will pay the business against the monetary losses that resulted from the key person's disability or death. These policies depend on the situation, age, health, and role of this key employee.
HEALTH: INDIVIDUAL AND GROUP
There are numerous insurance policies for medical insurance. To choose the best one that is right for you please contact a California or Nevada insurance agent at KIAC Insurance Agency today. There is no obligation. We are here to help and we have a full time registered nurse (also an agent) in the office.
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California and Nevada Insurance Agent Gives Insurance Info
