In the event of an accident, an auto insurance policy for your business could help pay for vehicle repairs or medical bills for a driver. The deductibles and limits of your policy will apply to claims covered by your policy. You should talk to your Safepro Insurance Services Business Insurance agent about coverage availability and requirements in your state. Here are a few examples of typical business auto insurance coverages:

LIABILITY COVERAGE: In a business auto policy, carriers offer two types of liability coverage: bodily injury liability and property damage liability. Every state requires auto liability coverage. Having bodily injury coverage is important if your employee is driving a company vehicle and causes an accident. Property damage coverage can help you cover other drivers’ car repair bills.

COLLISION COVERAGE: After a covered accident, collision coverage can help you repair your company car or replace it if it’s totaled.

COMPREHENSIVE COVERAGE: When your business vehicle is damaged by something other than a collision (such as theft, fire, vandalism, or hail), comprehensive coverage pays for the repairs. As an example, comprehensive coverage may help pay for repairs to your company car if hail damages it during a storm.

UNINSURED MOTORIST COVERAG AND UNDERINSURED: If you get into an accident with an uninsured or underinsured driver, this will protect you. This coverage must be provided by your insurance company. You must sign a waiver if you decide not to buy it. In the waiver, it states that the insurance cover was offered to you and you declined it.

THINGS NOT COVERED: Commercial auto insurance does not cover everything. Depending on where you live, Certain Claims and/or expenses are not covered: When an employee is driving a company vehicle, medical expenses that are unrelated to an accident. The contents of your business vehicle (for these they can be insured through Inland Marine coverage). The use of a personal vehicle for business purposes causes an employee to have an accident. Rental car repairs while you wait for your company car to be repaired after an accident.

REVIEWING YOUR POLICY DECLARATIONS: You’ll receive policy declarations when you purchase commercial auto insurance. You can use this document to “declare” the choices you’ve made for your commercial auto insurance policy, including your deductibles, limits and optional coverage. _You can contact your insurance agent with any questions you have regarding your policy declarations. Knowing what’s covered (and what isn’t) is essential to preparing for a claim.

An important benefit of contractor liability insurance

Extremely  Important: 

It is extremely important for many professionals who work in construction and development to have contractor insurance. Builders, developers, trade and artisan contractors that perform processes such as carpentry, plumbing, masonry, electrical, concrete, roofing, HVAC, as well as general contractors depend on contractors insurance. The protection provided by insurance has saved many contractors from ruining their businesses and their finances.

Contractor Liability Insurance Specialists

Insurance specialists who specialize in such products are the best sources for finding the most advantageous contractors insurance products. Prospects will be happy to know that most of the major providers of contractor insurance products are available online. Finding the best insurance products can be extremely easy and efficient with the use of online specialists. In addition to offering the most cost-effective solutions, agencies that specialize in these contractors’ insurance products can offer customized solutions that provide the coverage clients need without the overcharges they do not need.

California General and Artisan Contractors Insurance

California is a hotbed of building contractors as it is one of the states with the largest building and new construction development industries. Since so many contractors are working, there is a great need for contractor insurance protection at an affordable price. There is good news for these contractors since there are insurance carriers that offer the protection they need in California that are honest and dependable.

Different Types of Insurance Coverage for Contractors

Contractors need different types of insurance depending on the types of work they do, the risks involved, and the protection they wish to purchase. The purpose of contractor insurance is to provide financial backing to contractors who are liable to clients who hire them to complete a particular job. General liability insurance is the most popular type of contractor insurance. Contractor general liability offers the broadest protection of all insurance types, making it most useful for people or companies engaged in many facets of contract work. An insurance plan protecting contractors usually ensures that they won’t suffer financial loss caused by problems associated with their work. By combining some specific types of coverage with the general liability insurance, the most comprehensive protection can be achieved. We offer California contractor general liability insurance plans that are great for California contractors.

Workers Compensation Insurance for Contractors

Contractors’ workers’ compensation insurance is a common insurance policy purchased by many contracting companies. Worker’s compensation insurance is a mandatory policy. Employees are protected from financial burdens if they are injured at work by this protection. For workers injured in work-related accidents, workers compensation provides income, medical, and rehabilitation benefits. Survivors may also receive a death benefit under some plans.

Tools, Equipment and Installation Floaters Insurance for Contractors

Contractors can also obtain inland marine insurance. Inland marine insurance protects goods in transit. Often contractors transport materials and goods on a regular basis, which means they can anticipate the high cost of those items. Contractors should insure their tools, equipment, and installation floaters as inland marine insurance.

Surety Bonds, Performance Bonds, Bid Bonds, Contract Bond, License Bonds for Contractors

A surety bond is also a common form of protection for contractors. But a surety bond is not the same as a policy of insurance. Bonds are financial instruments used to guarantee performance. Building developers may sue general contractors who fail to do what they promised to do. If a contractor fails to complete a building on time or as agreed, the developer may sue. Bonds protect against this type of exposure. Cities, municipalities, and states require license and permit bonds. These bonds guarantee the adherence to local, state, or federal regulations. Consumers are also protected by requiring a license bond. In addition to worker’s compensation insurance, California contractors are required to have contractor license bonds.

Contractor Insurance Protection is a Must Have

There is no denying the fact that individuals and companies involved in building development need to protect themselves from huge financial liabilities. Even small businesses need protection, as any company can be targeted by a builder seeking retribution. The excellent contractors’ protection provided by many companies helps them attract top contracting talent. Construction can be challenging and dangerous at times. In the case of an injury on the job, workers need to be assured that they will be taken care of.

Contractors that either want more complete protection are want protection more customized to their limited needs might opt for other types of contractors insurance.

For contractor insurance quote, please call 888-4117679 or visit our website www.safeproins.com.

CA Used Car Dealer Insurance

Insurance for California used car dealers 

Managing a used car lot requires a lot of dedication and hard work. This is why having a comprehensive policy for your business is so important. The coverage needs to be tailored to the risks related to the dealership’s explicit liabilities and assets.

You can get top-rated insurance when you visit Safepro Insurance. Get a quote right now by calling 888-411-7679 or submitting an online form! 

What are the benefits of used car dealer insurance?

Getting dealership insurance is a simple matter of protecting your finances.

  • You could lose money if something goes wrong at your car dealership.
  • They might blame you if there’s a problem if they expect top-notch service from you.
  • You have a financial obligation to your employees to ensure a safe working environment.

Your dealership has daily obligations for which you are responsible. In the event of a problem that you can’t avoid and can’t prevent, having insurance can cover the costs of recovery. Thus, you will be able to have more assurances that such losses could be recovered. 

How do used car dealers manage their risks? 

Your dealership can be protected with insurance against accidents that occur unexpectedly. Listed below are some possible accidents that may happen at the dealership:

  • The business might be damaged by a hazardous incident like a fire, severe weather, or even burst pipes. Your office materials may be destroyed, your property damaged, and your cars may not be sold. Your losses could be substantial.
  • Theft of vehicles or vandalism of stock are possible on your lot. This can result in you losing another sale.
  • Clients may suffer injuries in your office or while test driving one of your vehicles. Dealerships may be sued for any harm caused.
  • Someone might accuse you of misrepresenting a sale and causing them financial loss. If that happens, you could face costly lawsuits.

You will be able to determine which policy best suits your dealership’s specific needs. 

Used car dealers need what type of insurance? 

A few dealers export cars, others wholesale them, some sell high-end cars, others have a large inventory, and others buy exotic cars. Each dealer requires different parts of commercial insurance. Discuss these with your insurance agent:

Garage Insurance: There are many varieties of garage insurance, but they all serve different functions.

  • A garage liability policy covers policyholders for property damage and bodily injury a third party may sustain when visiting your property. As well as in your garage, coverage is available when using insured vehicles.
  • Legal liability coverage for garage keepers: If a customer’s car is damaged while under your care, this coverage will pay for repairs or replacements. You are typically required to carry this coverage.
  • Insurance protection for garage keepers: This also includes cover for damage to vehicles owned by customers. Regardless of whether you are legally responsible for paying for the damage, this protection will kick in.

Vehicles owned by the business are covered under open-lot coverage. For example, here are the vehicles on your lot that you intend to sell. Depending on the policy, the insurance company may provide coverage for collisions and other occurrences such as thefts, hailstorms and vandalism.

A dealer’s drive-away coverage protects you in case of an accident when you take a vehicle off your lot, such as to a drop-off. In the event of damage, you can claim the coverage.

Insurance coverage for uninsured/underinsured motorists: If one of your vehicles sustains damage, the party at fault for the crash might not be covered by their liability policy. The policy can assist you in recovering without being at fault.

Schedule of covered vehicles : A schedule of covered vehicles adds a degree of more-specific protection. The policy will list specific vehicles on your lot. Those vehicles will be covered in accordance with the policy’s terms.

False pretenses and truth in lending: It is possible that people visiting your dealership will try to steal a car under false pretenses. You may even be presented with false documents to convince you that they deserve the car. You may be able to recover the car under this coverage.

Insurance for professional liability: This coverage protects you in case your customer is dissatisfied with your services (known as errors and omissions). They might accuse you of lying about a vehicle’s quality and demand compensation or bring a lawsuit against you. You should include this coverage in your policy:

  • Odometer errors and omissions: Rolling back the odometer on a car to make it look like it has fewer miles is unlawful. You may be faced with significant challenges should such allegations arise.
  • A title error or omission: Owning a car means owning the title to the vehicle. If the title is paid off, you transfer full ownership to that person. Having this coverage can protect you if you are accused of lying or fabricating a title.

Services that are tailored to your needs: At Safepro Insurance Services, when you come to us for insurance, we want to meet the following three goals:

  • Quick Insurance Quote: When you work with us, you will save time and money because we provide quick quotes, knowledgeable staff, and executives who understand your needs as well as policies that are tailored to your type of business. Getting covered with us means that you’ll receive both quality coverage and affordability.
  • Customer Service: Choosing an insurance agency you can trust means knowing that it is not about us. Instead, it’s about you. Your livelihood is too important to work with someone who treats you like a number. You should come to us for long-term relationships, respect, and advice.
  • Customer satisfaction: We want to make sure that you have the right commercial insurance at the end of the day.

You can reach one of our agents by calling 888-411-7679 right now. If you are looking to protect your business, we are ready to help. 


In the construction industry, what does an “Additional Insured” do and what is the “Additional Insured Endorsement”?

Many construction contracts require contractors to sign pages containing detailed insurance requirements, coverages, and minimum dollar amounts.  Review any contract’s insurance requirements carefully before signing to ensure that your current insurance complies with the contract’s requirements, including coverage types and financial limits.  Your contractor insurance specialist is a great resource for help in this regard, if you are in doubt.

A common request is for owners to be added to a general contractor’s policy covering commercial general liability (CGL).  Subcontractors are often required to name their general contractors as additional insureds on their general liability, business auto, workers compensation and umbrella and or excess policies.

So, what is an “additional insured”?  Additional insureds are anyone who is covered by the primary insured’s insurance policy, but not the primary insured.  If someone wants to be added to someone else’s policy, how does that work?

To obtain additional insured status, the insurance company must issue an endorsement to the primary named insured’s policy.

It is the wording of the endorsement that determines the scope of an additional insured’s coverage.  A certificate of insurance cannot grant additional insured status, although certificates are often presented as proof of additional insured status. As proof of coverage, an additional insured endorsement must be attached to the certificate of liability insurance.

In the event that additional insured status is properly obtained, the additional insured is entitled to a wide range of important rights.  A claim may be filed directly against an insurance company by an additional insured.  This right entitles an individual to either legal defense against third-party claims, or to coverage for damages caused.  Furthermore, by retaining the loss off of their own loss history, the additional insured may be able to prevent price increases in the future.

Please check with your contractor insurance specialist if you receive a request to add someone else as an additional insured on one of your policies. The status of additional insured is important for the construction industry, but care must be taken to ensure that this status is granted correctly.

Personal and Advertising Injury Coverage – An Overview

Many risks your business might face are covered by a commercial general liability (CGL) policy. This is often referred to as damage to a person’s person or damage to a person’s property (covering injuries you accidentally cause to a third party).

It also has an entire coverage section dedicated to an aspect of business operations that businesses normally encounter. This coverage area is called Personal and Advertising Injury Liability Insurance.

CGL insurance includes advertising and personal coverage in two separate sections. One is personal injury liability insurance, while the other is advertising liability insurance.

Under Personal Injury Liability coverage, the insurer is responsible for claims arising out of intentional torts, including slander, false arrest, wrongful eviction, and privacy invasion.

Advertisement Liability covers claims for harm caused by misappropriation of advertising ideas, bad business practices, or infringement of copyright.

As a result of combining these two coverage sections, businesses are provided with more coverage than the usual bodily injury and property damage.