Zein Insurance Services Inc.

Commercial Business Insurance

We Insure You One Step Better And One Step Closer To Success

When you’re just starting out in business, it’s easy to cut back on insurance. Many small business owners believe since they have little money and few assets, no one is going to sue them. Natural disasters? Not likely.

Unfortunately, that’s not how things always work out. Here are three small business realities:

Small companies get sued all the time. Just because your business is a corporation or limited liability company (LLC), that doesn’t mean your personal assets are always protected. Under certain circumstances, you could be held personally liable if you are slapped with a lawsuit. That’s why liability insurance is so vital. Depending on your business, you may need general liability insurance, in addition to professional liability coverage.

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Do You Have The Right Insurance?

Natural disasters can happen anywhere, and many businesses do not survive them. Weather patterns are unpredictable, especially when flooding occurs. Disasters are expensive.

Aside from specific disaster coverage, there’s also business interruption coverage. This type of insurance provides compensation for your business if it’s temporarily shut down due to a disaster.

Get A General Liability Insurance Quote!

Protect your business from any unforeseen slip-and-falls

What is General Liability Insurance?

  • • Every business person eventually gets a lesson in business liability and torts; either in the classroom or the courtroom.
    • Regardless both the student and the defendant soon discover that business liability and tort law is a virtual minefield of potential lawsuits.
    • Many of which could potentially bankrupt the firm.
    • General Liability Insurance protects ensures that you and your employees’s source of income is secured from any tort incurred by your firm during business

What does General Liability Cover?

This significant protection to a business covers claims of property damage and /or bodily injury to a third party caused by your business operations, the insured premises or when someone is injured as a result of using any of your business products. This general liability coverage may also provide for legal defense of the insured.

General Liability Facts

General Liability Fact #1

Fact #1: Every business can benefit from General Liability Insurance.

General Liability Fact #2

Fact #2: General Liability Insurance helps pay for lawsuits.

General Liability Fact #3

Fact #3: General Liability Insurance isn’t required by law usually, however it it may be required in business contracts or rental leases.

General Liability Fact #4

Fact #4: General Liability Insurance does not pay for employee lawsuits, only third party lawsuits.

Protect Your Business From Any Disaster

Many businesses do not survive the death of an owner. Statistics show that many businesses crumble after the death of an owner. Life insurance can help your business survive if something happens to you, and protect your family and/or your business partner from financial disaster.

Get A Workers Compensation Quote!

Stay in compliance with state law, get an affordable workers compensation quote today!

What is Workers Compensation?

Workers Compensation Fact #1

Fact #1: The United States recorded more than 4 million workplace injuries.

Workers Compensation Fact #2

Fact #2: Medium size companies have the more workplace injuries than small or large companies.

Workers Compensation Fact #3

Fact #3: More than 1.8 million workers are injured seriously enough to receive continuous medical treatment and time-off.

Workers Compensation Fact #4

Fact #4: Hundreds of billions are spent annually on work-related injuries, sicknesses and fatalities.

Workers Compensation, Zein Insurance Services, Business Insurance,

Cyber Liability Insurance

Millions of companies are targets to cyber threats stay protected with Zein Insurance Services

What is Cyber Security Liability Insurance?

Cyber security liability protects your firm in the event of a financial liability created as part of a technology based security breach. If your business is in any way involved in handling the handling of customer’s personal information (credit card information, social security #, financial data, etc.) , then it is strongly advised that you and your firm seriously consider cyber liability coverage.

Does my association need Cyber Security Liability

Imagination would tell us that this is to shield from the liability incurred by hackers stealing personal information via the internet. While cyber liability does encompass such an event, and we strongly urge any business that operates a digital storefront/client portal to consider cyber policy, this is not the limit of what it shields against. More than half of data breaches are caused by system glitches and human error (Ponemon 2015 Cost of Data Breach Study).

Cyber Liability Insurance

Cyber Liability Security Fact #1

Fact #1: Every business can benefit from General Liability Insurance.

Cyber Liability Security Fact #2

Fact #2: General Liability Insurance helps pay for lawsuits.

Cyber Liability Security Fact #3

Fact #3: General Liability Insurance isn’t required by law usually, however it it may be required in business contracts or rental leases.

Cyber Liability Security Fact #4

Fact #4: General Liability Insurance does not pay for employee lawsuits, only third party lawsuits.

Employer Practice Liability Insurance

EPLI may provide important defense for your business, protect your business and get a quote today!

What is Employer Liability Insurance?

Employer liability Insurance or Employment Practice liability Insurance (EPLI) is a type of liability coverage that protect your business from common law liability of an employer for financial loss to employees, typically are:

• Discrimination based on race or age
• Sexual Harassment
• Wrongful termination
• Violations of the Americans With Disability ACT (Discrimination based upon disability)

Employment Practice liability Insurance may provide third party defense for your business when legal conflicts occur between employees and third parties.

Zein Insurance Services agents are very often able to combine EPLI coverage into our clients other business liability insurance policies. This can create substantial savings under certain circumstances.Talk to our professional sales and support team to receive quality help.

Employer Practices Liability Insurance Facts

General Liability Fact #1

Fact #1: Not having EPLI can harm your small to medium sized business.

General Liability Fact #2

Fact #2: Average EPLI lawsuits range between $10,000 to $60,000 dollars.

General Liability Fact #3

Fact #3: 40% of companies mistakenly don’t have Employer Practices Liability Insurance.

General Liability Fact #4

Fact #4: Legal fees can be substantial and cause risk to your businesses success.

Directors and Officers Insurance

Provide financial security for the directors and officers of your company, get a quote today!

What is Directors and Officers Liability Insurance?

Directors and Officers Liability Insurance provides financial coverage for the directors and officers of your company in situations where a financial loss has occurred and is directly related to that individuals execution (or lack) of their fiduciary obligation to the company.

What we can do for you

At Zein Insurance Services we can give you the right advice that it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance. So that you can make a more informed decision but also so you do not purchase coverage you could not ever possibly need.

Directors and Officers

D&O Fact #1

Fact #1: It’s risky at the top.

D&O Fact #2

Fact #2: Personal liability is unlimited, having D&O insurance is beneficial.

D&O Fact #3

Fact #3: D&O liability insurance can cover the directors and officers privately held firms, not-for-profit organizations, and educational institutions.

D&O Fact #4

Fact #4:

In 2016 D&O lawsuits hit record numbers, which for companies in 2017 is a cause for concern.

Zein Insurance Services, Directors and Officers Insurance, Insurance,

Why Choose Us?

We are passionate about helping our clients prepare for life’s surprises. We also offer help to those with pre-existing conditions and are more than happy to find a plan, depending on eligibility. It’s easy to get a free quote.

Contact us today at 818 887-8780 and get high quality insurance for the lowest price, with the help of our experienced and knowledgeable agents. We listen! We understand! We offer customized solutions!