Having the proper business insurance coverage at an affordable rate can make the difference between the success and failure of your business. Allow our commercial insurance experts to help guide you to success.
Commercial Insurance
With over 20 years of insurance knowledge you can rest assure TOR understands your business and the importance of getting your insurance coverage questions answered, processing certificates of insurance at the speed of light so there is no delays when being paid and having claims and safety services at your disposal to better control your exposures.
At TOR insurance we specialize in commercial contractors with Exclusive Programs tailored for your class of business. Because we have the ability to write all lines of coverage with just one carrier you take advantage of multi policy discounts. Whether you are a Landscaper, Tree Trimmer, Paver, Grader, Electrician, Plumber, HVAC, Framer or Concrete Contractor we can help you save money on your insurance cost. Commercial insurance costs are Rising FAST! Business owners are shopping. Save an average of 30% off your current rates today. Request a quote Today! Worker's Compensation Insurance
The amount you pay for Workers' Compensation insurance can vary wildly among insurance carriers. Here at TOR we look out for your bottom line. We are very aggressive in shopping your coverage to all insurance carriers to make sure you are paying the absolute lowest possible. We save our new clients an average of 30% compared to what they are currently paying. So press the "Get a Quote" button to stop wasting money with your current high priced insurance company.
Workers' compensation is the nation's oldest social insurance program: It was adopted in most states, including California, during the second decade of the 20th century. The workers' compensation system is based on a trade-off between employers and employees. Employees are entitled to receive prompt, effective medical treatment for on-the-job injuries or illnesses no matter who is at fault and, in return, are prevented from suing employers over those injuries. As a result, California employers are required by law to have workers' compensation insurance, even if they have only one employee. And, if your employees get hurt or sick because of work, you are required to pay for workers' compensation benefits. Workers' comp insurance provides six basic benefits: medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits or vocational rehabilitation and death benefits General Liability The amount you pay for General Liability Insurance can vary wildly among insurance carriers. Here at TOR we look out for your bottom line. We are very aggressive in shopping your coverage to all insurance carriers to make sure you are paying the absolute lowest possible. We save our new clients an average of 30% compared to what they are currently paying. So click here to "Get a Quote" to stop wasting money with your current high priced insurance company. In today's litigious society, even small mishaps can result in large lawsuits. That's why general liability insurance, along with property and worker's compensation insurance, is essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage. General liability insurance can be purchased separately or as part of a business-owner's policy (BOP). A BOP bundles property and liability insurance into one policy; however, the liability coverage limits are generally pretty low. Businesses that need more coverage usually purchase liability insurance as a separate policy. The amount of coverage a business needs depends on a couple of factors:
How General Liability Works
Under a general liability insurance policy, the insurer is obligated to pay the legal costs of a business in a covered liability claim or lawsuit. Covered liability claims include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). The insurance company also covers compensatory and general damages. Punitive damages aren't covered under general liability insurance policies because they're considered to be punishment for intentional acts.
General liability insurance policies always state a maximum amount that the insurer will pay during the policy period. Usually these policies also list the maximum amount the insurer will pay per occurrence. For example, if a company has a $1 million occurrence cap in its liability policy and it's successfully sued for $1.5 million, the insurer would pay $1 million and the business would be responsible for paying $500,000. To cover these types of situations, many companies purchase umbrella liability insurance, which picks up where their general liability coverage ends. Umbrella liability covers payments that exceed their other policy's limits, and provides additional coverage for liabilities not covered in a standard liability insurance policy. Most insurance companies require their policyholders to report as soon as possible any accidents that could lead to a liability claim. The insurer may then require the business owner to document the situation, forward all summonses and legal notices, and cooperate fully in any investigations. Taking precautions before an accident can help keep your liability and insurance rates down. All businesses can take certain steps to lower the chance of a liability insurance claim:
Commercial Auto
The amount you pay for Business Auto insurance can vary wildly among insurance carriers.
TOR looks out for your bottom line. We are very aggressive in shopping your coverage to all insurance carriers to make sure you are paying the absolute lowest possible. We save our new clients an average of 30% compared to what they are currently paying. So click here to get a quote and stop wasting money with your current high priced When Do I Need Commercial Auto Coverage? You need commercial auto coverage if you or your employees will use titled vehicles in their work. Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal auto policy will cover the auto. This is not true. Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes. Now, it is true that the exclusion applies if the vehicle is being used primarily for commercial purposes. And some ill-informed advisors/agents will advise small-business owners that such a policy is not necessary. What If I Use My Car More For Personal Then Business? The last thing you will want to do is argue with your insurer over whether your automobile was used more for personal use or business use. If you use any titled vehicles in your business, then purchase this coverage. The risk of a serious auto accident wiping out a small business far exceeds the premiums paid for the coverage and this is not the place to save premiums. A commercial auto policy does the same thing as your personal auto policy. It provides coverage to repair or replace a vehicle damaged in an accident and it will pay the claims of any third-party injured in the accident. What About Non-Owned Auto Coverage? You should purchase "non-owned auto" coverage as well. This coverage will provide coverage to the business when employees use their personal vehicles for the business. It will also provide coverage whenever the business makes use of vehicles it does not own. This includes your car when used for business purposes. Errors & Omissions Insurance
The amount you pay for Errors & Omissions insurance can vary wildly among insurance carriers. Here at TOR we look out for your bottom line. We are very aggressive in shopping your coverage to all insurance carriers to make sure you are paying the absolute lowest possible. We save our new clients an average of 30% compared to what they are currently paying. So press the "Get a Quote" button to stop wasting money with your current high priced insurance company.
Employment Practice Liability Insurance-EPLI
The amount you pay for Employment Practice Liability Insurance insurance can vary wildly among insurance carriers.
TOR looks out for your bottom line. We are very aggressive in shopping your coverage to all insurance carriers to make sure you are paying the absolute lowest possible. We save our new clients an average of 30% compared to what they are currently paying Click here to get a quote and stop wasting money with your current high priced insurance company. Directors & Officers Insurance
The amount you pay for Directors & Officers insurance can vary wildly among insurance carriers. Here at TOR we look out for your bottom line. We are very aggressive in shopping your coverage to all insurance carriers to make sure you are paying the absolute lowest possible. We save our new clients an average of 30% compared to what they are currently paying. So press the "Get a Quote" button to stop wasting money with your current high priced insurance company.
Commercial Property The amount you pay for Property Insurance can vary wildly among insurance carriers. Here at TOR we look out for your bottom line. We are very aggressive in shopping your coverage to all insurance carriers to make sure you are paying the absolute lowest possible. We save our new clients an average of 30% compared to what they are currently paying. So press the "Get a Guaranteed Low Price Quote" button to stop wasting money with your current high priced insurance company.
Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance or boiler insurance. Property is insured in two main ways - open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage-causing events as fire, lightning, explosion and theft. |
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