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Commercial Package
Liability + Property + Auto + Umbrella
Commercial Auto
Commercial Liability
Commercial Property
Commercial Umbrella
Employee Benefits
Employment Practice Liability
General Liability
Professional Liability (E&O)
Surety Bond
Workers' Compensation
Billing
Certificate of Insurance
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Adult Day Health Care (ADHC)
Assisted Living Center (ALC)
Assisted Living Home (ALH)
Assisted Living Facility (ALF)
Group Home for the Developmentally Disabled (GHDD)
Intermediate Care Facility (ICF)
Adult Day Care (ADC)
Adult Day Healthcare (ADHC)
Adult Residential Facility (ARF)
Assisted Living Facility (ALF)
Group Home / Small Family Home
Home Care Organization (HCO)
Home Health Agency (HHA)
Independent Living Facility (ILF)
Intermediate Care Facility (ICF)
Landscape Contractors
Residential Behavioral Health
Residential Care Facility for the Elderly (RCFE)
Adult Day Care Center (ADCC)
Adult Family Care Home (AFCH)
Assisted Living Facility (ALF)
Home Health Agency (HHA)
Homemaker & Companion Services (HMCS)
Intermediate Care Facility (ICF)
Adult Foster Care (AFC)
Assisted Living Facility (ALF)
Day Activity and Health Services ((DAHS)
Intermediate Care Facility (ICF)
Home & Community-Based Services (HCBS)
Home & Community Support Services Agency (HCSSA)
Residential Care (RC)
Adult Day Centers (ADC)
Adult Day Health (ADH)
Adult Family Home (AFH)
Assisted Living Facility (ALF)
Adult Residential Care (ARC)
Enhanced Adult Residential Care (EARC)
Home Care Agency (HCA)
Home Health (In-Home)
Independent Living Facility (ILF)
Intermediate Care Facility (ICF)
(619) 275 - 1814
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Commercial automobile coverage is similar to the coverage you may carry on your personal auto; however, commercial automobile exposures can be more complex requiring specialty coverages to be considered based on the individual needs of your business. Basically, commercial automobiles used in your business or any damage to the covered automobile used in your business or any damage to the covered automobile. A Business Auto Policy (BAP) has the flexibility to provide coverage for business, personal, non owned, or hired auto based on the coverage purchased and applied to each scheduled auto. In other words, automobiles can be separately scheduled along with corresponding coverages. Coverage can differ by vehicle and a symbol or multiple symbols will designate the coverage assigned to a scheduled auto. These symbols are referred to as covered auto symbols and use a simple numerical system (1-13), The automobiles are classified by weight, (light, medium, heavy, extra heavy) and by type of use (private passenger, service, commercial). Unlike personal auto policies that separate bodily injury and property damage limits (split limits), BAPs commonly utilize a Combined Single Limit (CSL) for the limit of insurance. This creates higher limits for both coverages, including per occurrence limits. Common commercial automobile CSLs are $500,000 or $1,000,000 )(www.insurance.ca.gov).
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