Commercial Quotes Insurance – Servicing California Businesses – Contractors Insurance, Liability Insurance Free Quotes

Contractors

As Independent Brokers for Orr & Associates, we have the expertise to cater to the specific insurance needs of your industry. In today’s litigious society, protection against lawsuits and other liabilities is essential. With numerous quality markets we’ll find the quote that fits your need, and provide supreme service throughout the year.

Restaurants

Whether your restaurant is fast food, take out, or sit-down dining we have a variety of general liability policies as well as packages that includes your business equipment. For liability and business personal property click on “Restaurants”, for restaurant related workers comp, click on “Workers Comp” and complete the form as detailed as possible.

Small Business

From retail stores with general and product liability needs, to technology services who may need general liability PLUS professional liability we can help. For your general liability or business owner policy quote, click “Small Business”. For engineers, architects, technology services and others in need of Professional Liability, please send an email for a request for the appropriate application for your field of work.

Workers Comp

We know that your employees are one of your most important resources. In addition to providing a safe working environment, you need a carrier that helps you address indirect costs by helping you get injured employees back to work as quickly as is medically appropriate and assist you in preventing workplace injuries and illnesses. Our markets offer the coverage you need at a competitive price.

Commercial Auto

Are you covered while on the job? Does your employee use their car to run errands for you? Personal auto coverage doesn’t cover claims on accidents that occur while working. We have access to an abundance of markets to quote a variety needs including “Any Auto”(Symbol One offered when appropriate need is demonstrated), “Hired and Non-Owned Auto” and other special needs.

Equipment

We have markets to quote business personal property, scheduled or misc equipment, Motor Truck Cargo, Ocean Cargo and more. Go to our Equipment page and let us know what you need to cover!

California Workers Comp with Payroll Services

NEED PAYROLL SERVICES??? WE ARE NOW AFFILIATED WITH A PAYROLL SERVICE CALLED OVATION PAYROLL. THEY ARE COMPETITIVE WITH PAYCHEX AND ADP, ARE NATIONWIDE, AND OFFER MANY SERVICES FREE THAT THE OTHERS CHARGE FOR. EXAMPLE, AN EMPLOYER WOULD HAVE ACCESS TO: Program Advantages: No down payment Improved cash flow No checks to write Premium calculated on [...]

Faulty Workmanship Construction Claims and General Liability (GL) Insurance

It amazes me to this day the number of contractors who believe that their general liability insurance will cover them for a faulty workmanship claim. Until recently (I’ll get to that), insurance carriers specifically exclude faulty workmanship. When contractors take short cuts in order to save time and money, it often results in a faulty [...]

WHAT IS WORKERS COMPENSATION?

Workers compensation insurance covers your employee when they become ill or injured while on the job. Bodily injury by disease must be caused or aggravated by the conditions of their employment. California state law requires an employer to purchase workers compensation even if you only have one part time employee. “Do you need to purchase [...]