FAQs

A foodborne illness claim generally falls to product liability rather than general liability, since it involves the product you served. Many food truck owners carry both coverages together. ...

It can be, under commercial property and equipment coverage. Because fire is a real risk with grease and open flame, we make sure your equipment values are reflected in ...

Usually not. A truck used in your business typically needs commercial auto coverage, and personal auto policies generally exclude business use. This is one of the first gaps we ...

Inventory values shift with the season and the market, so limits set a year ago may no longer fit. We can review your values with you so coverage reflects ...

In California, workers’ compensation is required once you have any employees, which typically includes warehouse and delivery staff.

Often yes. California applies strict product-liability standards across the supply chain, so a distributor can be named in a defect claim. Product liability is designed to respond in those ...

Usually not on its own. Property coverage typically focuses on goods at your location, while inland marine and cargo coverage are designed for goods in transit. Many distributors carry ...

In California, workers’ compensation is required once you have any employees. We can help you understand how it fits with the rest of your program.

Usually not. Standard commercial property and BOP policies typically exclude earthquake and flood. California manufacturers in exposed areas often address those risks through separate coverage.

Not quite. Property coverage generally responds to causes like fire or theft, while equipment breakdown addresses sudden mechanical or electrical failure of machinery, which is often a manufacturer’s biggest ...