Category: Commercial Insurance

As a small business owner in Fontana, CA, you might wonder whether commercial insurance is necessary for your operation. Regardless of the size or nature of your business, having the right insurance coverage is crucial to protect your investment and ensure its long-term success.

Protect Your Assets and Investments

Your business represents a significant investment of time, money, and effort. Commercial insurance helps safeguard your assets, such as your building, equipment, and inventory, against potential losses from theft, vandalism, or natural disasters. By working with Rock Hard Insurance Agency, you can ensure your business has the coverage to protect your valuable assets and minimize financial risks.

Shield Against Liability Claims

Accidents can happen, no matter how careful you are, and your business could be held responsible for injuries or damages. Commercial insurance provides liability coverage to protect your company from the financial burden of lawsuits, medical expenses, and other claims-related costs. This protection is essential for small businesses in California, as even a single liability claim could devastate your company’s financial stability.

Meet Legal and Contractual Requirements

Depending on your industry and the specific regulations in California, your business may be legally required to carry certain types of commercial insurance. Contracts with clients, vendors, or landlords often include insurance requirements. Ensuring that your business has coverage protects your company and helps you maintain compliance with these contractual obligations.

Foster Trust and Confidence

Adequate commercial insurance coverage can boost your company’s reputation among customers, suppliers, and partners. Consumers often perceive businesses committed to protecting their assets and addressing potential risks as more reliable and trustworthy.

Reach Out To Us

Commercial insurance is vital to any successful small business strategy in Fontana, CA. Contact Rock Hard Insurance Agency today to safeguard your company’s future.

If you have a car you use for business, you may need commercial auto insurance in Fontana, CA. This type of insurance can protect you financially if you are involved in an accident while using your car for business. Commercial vehicle coverage is similar to regular auto insurance, but some critical differences exist.

How Personal and Commercial Auto Insurance Differ

Commercial auto insurance typically provides more coverage than personal auto insurance. Businesses have a higher risk of being involved in an accident than individuals. Commercial auto insurance also usually covers vehicles that are used for business only.

Most personal auto insurance policies exclude coverage for vehicles used for business purposes. If you have an accident while using your personal car for business, your insurer may refuse to pay for claims. If you use your personal vehicle for both business and pleasure, you probably need to purchase a separate policy for your business use.

Sometimes, your insurer may cancel your policy altogether if they find out that you have been using your personal car for business purposes. A Rock Hard Insurance Agency representative can help determine whether you need commercial auto insurance in Fontana, CA.

What Type of Businesses Need Commercial Auto Insurance?

I’m doing Door Dash deliveries. Do I need commercial auto insurance? You may need commercial auto insurance if you are using your personal vehicle to deliver food or other items. This is because you are using your car for business purposes.

How Much Does Commercial Auto Insurance Cost?

The cost of commercial auto insurance depends on several factors, including the type of business you have, the vehicles you are insuring, and the amount of coverage you need. A Rock Hard Insurance Agency representative can help you determine the amount of coverage you need and get you the best rate possible.

Owning a business comes with plenty of risks. Every business has different risks; it is definitely not one size fits all kind of thing. You need to protect yourself from the risks and having an independent insurance agent who understands your particular type of business and can anticipate the type of risks you need to be protected from is important. At Rock Hard Insurance Agency in Fontana, CA, we provide a personal level of service.  We are there to help our customers no matter what they need help with. 

Commercial Auto insurance 

In the state of California, commercial auto insurance is required for all business-owned vehicles. The required coverage is 15/30/5. What this means is $15,000 for one person who is injured with the total for any accident of $30,000 with $5,000 allowed for damages to property.  This is very basic coverage, and it may not be anywhere near enough for a well-established business. 

Worker’s compensation insurance

Worker’s compensation is required in California if your business has even one employee. They can be part-time or full-time workers. This will pay for work-related injuries, illnesses, or lost time. This protects your employees but it also protects you. 

While these are the only required types of commercial insurance, they are not the only ones that really are necessary to protect your business.

Commercial property insurance will help you to recover from a covered peril. If your business is physically damaged, including your machinery, inventory, office equipment, or raw material you need help to rebuild. Commercial property insurance provides that help. 

Commercial liability is something any business can benefit from. Businesses are vulnerable to legal actions against them. Liability insurance offers the financial support you need to deal with legal actions against you. 

When you are ready to discuss your commercial insurance needs Rock Hard Insurance Agency in Fontana, CA will be here for you.