Restaurant and Bar Insurance

Every restaurant is unique. Therefore, the insurance program protecting each establishment should be unique, too.

Renters Insurance that protects valuables

People who rent typically have more valuable items that need coverage than they think. Have you taken an inventory recently?

Homeowners Insurance Coverage

Many California homeowners find themselves being dropped from their homeowner’s insurance carriers or their coverage rates are skyrocketing.

Insuring California’s Drivers

Accidents happen. Even the safest drivers can get into trouble on the unpredictable California roads.

Business Insurance Experts

Business is unpredictable. Buying California business insurance shouldn’t be.

Friday, November 23, 2012

Costa Mesa Homeowner’s Insurance

When it comes to Costa Mesa Homeowners Insurance, we at Excelsure Insurance are the experts. We take your home and the protection of all of your assets to heart. Crafting an insurance solution for you that takes into account your specific needs and assets.
Owning your own home is a real achievement and you should be congratulated for having accomplished that. Whether you own it outright or still have a mortgage, the right insurance cover is not something that you should take for granted. Policies do change and most of us don’t read the notices that the insurance company sends out notifying of changes to policy wording. Who reads the policy in the first place, let alone care about a bit of wording in legal language? You should, because that is going to be the guiding document for what is and is not covered in case an accident occurs.
You should revise your home insurance policy and your level of coverage annually – but you’ve heard that before haven’t you and who wants to be continually going over their insurance? The solution might just be to contact an experienced professional that can assist you in figuring out what is and is not needed. It’s our job to learn what your goals are in life and what you need to protect. We know how your policy is changing and can recommend steps to ensure you are fully protected.
Your home can be severely damaged by the elements in their extreme - snow storms, hurricanes, tornadoes, earthquakes. Will your home be fully protected if disaster strikes today?

Saturday, November 3, 2012

Commercial General Liability Insurance

Looking for commercial general liability insurance? It’s possible to take out a general liability insurance policy to cover your business for some common liability risks. If you or your employees offer advice to clients or make significant judgments that may affect your clients’ health and wellbeing, financial wellbeing or business operations, you may need additional professional liability coverage.

Here are some common risks businesses and consultancies that you may want coverage for:

§  Libel or slander
§  Copyright infringement associated with publications or advertising
§  Employment practices (discrimination, for example)
§  Bodily injury caused by you or an employee
§  Property damage caused by you or an employee
§  Professional negligence

Ensuring your business has adequate coverage is essential. Without it, a law suit could send your business into bankruptcy and even place your personal assets at risk.

There’s another good reason to ensure you have adequate liability coverage. Accidents and errors do happen and the more employees you have, the greater the chance of occurrence.  Compensating a person who is genuinely injured or has otherwise suffered due to an act or omission by you or an employee is usually the right and just thing to do. Liability insurance exists so that genuine victims can be compensated.

If you’d like to protect yourself and others, contact us today to discuss your liability insurance requirements.