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 your business 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/business insurance is so vital. Depending on your business, you may need general liability insurance, in addition to professional liability coverage.

Do You Have The Right Business 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.

What is General Liability Insurance?

• • Every business owner 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

Protect Your Business From Any Disaster

Having the right insurance broker in your corner educating your firm on the best business insurance options can be beneficial to your association. 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.

What is Workers Compensation?

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 as a part of our business insurance options.

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).

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

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

Why Choose Us For Your Business Insurance?

We are passionate about helping our clients with the proper business insurance. We also quality value added services, protecting our business clients from compliance issues. Learn more about our risk management solutions by getting a quote today!

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!