Business insurance

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Business Insurance

As a Business Owner, you have a lot of responsibility. One of your priorities should be to make sure that you are properly protected in the event of a loss. At McArthur & Associates Insurance Agency LLC, we understand that every company has its own unique risks and coverage needs. That is why we go over your business in detail, considering the nature of your business, the number and types of employees you have, and whether you own or are a tenant at your business location.  We then recommend a customized plan to make sure you are protected against a variety of different risks.

While some Insurance Carriers and Agencies may offer a one-size-fits-all Insurance Policy, we have several options that you can choose from. For example, if your employees will be driving company vehicles or their own vehicles for Business Purposes, it is important to have Commercial Auto Coverage. If your business depends on computers and other equipment for daily operation, you may want to have protection against Equipment Breakdown. You also may need extra Liability Protection, such as Umbrella Insurance, in order to protect you and your Business when accidents happen. To make things easy, our clients who are Business Owners receive excellent coverage and rates from our Preferred Insurance Carriers like Nationwide Insurance, where Business Owners Policies are available, packaging important coverages together to bring you excellent rates.

When you are ready to protect your Business, McArthur & Associates Insurance Agency LLC is available to walk you through your options. You can call our office at (760) 599-9300 to set up an appointment or speak with an Agent over the phone. You can also visit our Agency at 1116 Sycamore Ave. Ste. A, Vista, CA 92081.

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Different Business Insurance We Can Assist With

Protects your Business against lawsuits, including judgments, attorney fees, court costs, and settlements. We also offer a Businessowners Policy (BOP) which combines Business Liability, Commercial Property, Business Income, and Equipment Breakdown Coverages into one cost-effective package for Businesses.

Protects your building and its contents against theft, fire, vandalism, and other damage. Every company needs this coverage, whether you own your building, lease, or work from home. One of the core coverages in a Businessowners Policy (BOP), Commercial Property Insurance protects your building and its contents, as well as exterior fixtures, such as a fence or outdoor signs.

Protects Business Vehicles and the employees who drive them by providing coverage for a company’s use of cars, trucks, vans, and other vehicles in the course of carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes.

This coverage can help pay for an injured employee’s medical treatment and lost wages if a job-related injury requires time off work. Workers’ compensation also can protect your Business and its assets.

This coverage can help protect your Business from employee lawsuits resulting from alleged discrimination, wrongful termination, harassment, or other employment-related issues.

Protects the obligee (the party to whom the bond is paid in the event of a default) against losses, up to the limit of the bond, resulting from the principal’s (the party with the guaranteed obligation) failure to perform its obligation.

This coverage helps offset the devastating effects a data breach or computer attack can have on your Business from a financial and reputational standpoint.

Farm protects you both Personally and Commercially. Similar to a Standard Homeowners Policy, Farm Insurance will cover your home, possessions and Personal Liability. Beyond that, it also includes coverage for your machinery and livestock (though not for your crops).

This coverage provides additional protection for your Business Assets by increasing the Liability Limit you already have with other policies.