Tag Archives: business insurance

Lowering Your Commercial Auto Insurance Rates

Insurance Premiums For Company Cars

Finding the right commercial vehicle insurance policy that will best fit your needs can be much easier said than done. There are many factors that you need to consider when deciding on the right policy, all which can have serious impacts on how much you pay each month. Make sure to consider all of these factors to ensure that you are able to invest in the right amount of coverage for your specific needs.

  • Your drivers – the driving record of all your employees is one of the biggest factors that is used to determine what your commercial auto insurance rates will be. When hiring new drivers for your company, make sure to take a look at their driving record. The better their record is, the lower your rates will be.
  • Your fleet – your auto insurance company will want to know what type of vehicles you are looking to insure. The more expensive your vehicles are, the higher your rates will be. If you are planning on buying new vehicles to fill up your fleet, consider newer vehicles that may qualify for more discounts than older vehicles.
  • Your vehicles – each company vehicle that is included in your fleet helps to determine your rates. There are auto specific coverage options that can help to lower your price if you properly insure your cars. If you have many different types of cars in your fleet, you may want to invest in similar commercial coverage for each vehicle to keep your premiums as low as possible.

For all of your Conejo Valley business insurance needs, and to ensure that you have the right amount of coverage, contact Cappuccino Insurance Agency in Westlake Village, California. As an independent insurance agency, we will work with you to ensure that you have the coverage that you deserve, all at the right price.

Business meeting

Properly Protecting Your Business From a Disaster

Business Insurance For Disasters

When you own a business, you do all you can to protect it from a disaster, including investing in the right insurance policies. However, if you are relying on just your business owner’s policy to provide coverage, you may not have enough protection. Make sure to consider these business insurance policies to ensure that you are not left paying for repairs out of your own pocket.

  • Insurance for your structure – your commercial property insurance policy will provide protection if the structure of your building is damaged during a disaster. As an added bonus, your commercial property insurance policy will also provide coverage for your equipment that is damaged. If you have any specialty equipment that is valuable, you may want to invest in extra coverage. Talking with your insurance agent will give you a better idea of how much coverage you need.
  • Insurance for your commercial vehicles – your existing commercial vehicle insurance policy will provide coverage for any damage that is done to your company cars during a disaster, as long as you have comprehensive coverage. Comprehensive coverage will provide protection for any damage that is done by a disaster other than a car crash.
  • Insurance for flooding – the only way to protect your business from damage that is done by a flood is to invest in a specific flood insurance policy. If you are relying on your property insurance policy, you will be left paying for all the damages that are done during the flood.

For all of your business insurance needs, contact the insurance experts at Cappuccino Insurance Agency in Westlake Village, California. We will work with you to ensure that you have the right amount of protection for any disaster, all at the right price to fit your budget.

Workplace Safety Rules

Do Not Let Slips & Trips Harm Your Holiday

Keep The Season Safe By Avoiding Common Workplace Injuries

A little slip in the parking lot or trip over the corner of a rug may not seem like a big deal, but the National Safety Council reports that 25,000 trip, slip, or fall accidents occur each day in the United States. Accidents of these kinds on the same level are the second leading cause of workplace injuries. Save yourself and your employees from hazardous situations with increased awareness around these types of incidents.

Take a walk around your business property. Are the walking surfaces uneven or marked with holes and cracks? Do puddles collect in certain areas? Are the walkways, sidewalks, and parking lots properly lit? Walking your property with an eye to potential safety hazards will help you understand the risks on your business site so you can properly address them.

How can you increase the safety of your location? Make sure all entryways offer a place to wipe off wet shoes, and that mats are secured. Provide janitorial staff with “Wet Floor” signs to mark potentially unsafe areas after cleaning. If you have a slippery floor surface like high-gloss tile or smoothly polished stone, consider investing in runner rugs for the main walkways.

In the event someone does trip, slip, or fall make sure the accident is documented. Take down the names of all of the people involved in the situation and take photographs of the hazardous area. Not only will this help you avoid similar accidents in the future, but this information could come in handy if an insurance or workers’ compensation claim is required.

Make sure your company is protected with the business insurance it needs by contacting California-based Cappuccino Insurance Agency today! Serving Westlake Village and all of Conejo Valley, our dedicated team is here to help you secure the coverage you need to make your work community a safe place.

Group of business people.

What can Employment Practices Liability Insurance do for You?

Owning your own business comes with a lot of responsibility, including making sure that you and your employees are covered in any situation. Having the right employment practices liability insurance can help to make sure that your business has the proper coverage for any unfortunate situation, associated with problems with an employee. Keep these 4 common reasons to invest in an employment practices liability policy in mind when looking into the right insurance policies.

  1. Your decisions impact your employees. You make decisions every day that impact your employees, such as hiring, firing, promotions, compensation, and accommodating disabilities. Each one of these situations can easily lead to a lawsuit if they are not handled correctly.
  2. You can be financially devastated. Especially if you are a small business, one lawsuit associated with employee practices can have a serious financial impact on the company. The small cost of an employment practices liability policy will provide the right amount of coverage, no matter the size of the lawsuit.
  3. You cannot depend on human resources. Even if you have a strong and reliable human resources team, it does not mean that you can avoid all employee issues. Making sure that you are covered with the right employment practices liability policy can give you peace of mind in knowing that you will be able to handle any situation.
  4. You may not know how to handle a problem. Most employment practices claims are very complex, and you may not have the right tools to know-how to deal with the issue. Investing in an employment practices liability policy will ensure that you will have the right people behind you, in case of any unfortunate situation.

For all of your employment practices liability needs in the Conejo Valley, contact Cappuccino Insurance Agency in Westlake Village, California. We can provide you with the most comprehensive business insurance needs, to provide coverage in any situation.