Business Insurance

Group Health

If you are a Partnership, LLC, Corporation, in California we may be able to help you save on your Group Health Insurance.

Let us show you guaranteed issue health insurance plans to save your Business time and money. Shopping for Group Health Insurance has never been easier or more convenient. We offer a wide selection of the biggest and best names in the business. With over 700+ group insurance plans from major California Health Insurance Companies in our database, we are confident in finding a plan that will offer you the most value for your insurance dollar.

General Liability

A California General Liability Policy protects a business from accident that may result in personal injury or property damage. It is intended to guard operators and owners of companies from claims that may come from a broad range of sources. It also protects you if the injury sustained is a result of neglect by you or your employees

If can be difficult for a business owner to work without General Liability insurance in California. We can design a plan specifically for your business needs.

Excess Liability

The Benefits of Excess Liability…

Excess liability insurance is additional liability protection above a General Liability or other Liability policies. This type of policy can provide significant limits that enable a company to construct excess liability protection. Your excess liability insurance comes in handy when a judgment pronounced against a business owner has a substantial award that exceeds the businesses total assets and may even threaten to cripple your future earnings and savings as well.

Almost all Excess Liability Policies offer coverage against injury and property damage caused by the policy holder. They also offer additional protection against claims arising from slander, false eviction, libel, false arrest and so on. In some situations, one can avail the benefit even when a lawsuit is groundless or not covered by the underlying policy.

The excess limit of liability is extremely large. The excess liability insurance sum could go up to 1 million, 2 million and beyond. With a good excess liability insurance policy, it is wise to ensure you are fully covered for these potential legal situations.

Commercial Property

Commercial Property protects your business against the loss or loss of use of company property. “Property” includes various types such as buildings, structures, or business content. Commercial Property insurance helps pay to repair those buildings, structures, and content that are damaged or destroyed due to fires, storms, or other events outlined in the policy. Also, it pays to replace stolen or lost property.

Business owners can buy Commercial Property insurance whether they own, rent, or lease a building. If you rent or lease a building, the building owner’s policy probably will not cover the contents of the building that belong to you. You will need to buy your own business owner’s policy to insure your on-premises property including machinery, furniture, and merchandise. The cost of tenant coverage is usually significantly less than building coverage because the policy will only cover contents, not the building itself.

Businesses operating at multiple locations can be covered under a single policy, unless they have different functions and different risk profiles. This could be the case if your business has an administrative office and a separate factory.

Workers Compensation

California Workers Compensation Insurance protects employers from claims that can result from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries. It is in the law in California for most employers to have Workers Compensation insurance to provide coverage for lost wages and medical bills incurred from injuries, accidents, or illnesses. For many business owners, this coverage is the largest part of their insurance expense, but definitely a wise investment.

We will shop for you and provide you with the best quote possible.

Errors & Ommissions

Errors and Omissions is also known as Professional Liability Insurance. This type of insurance protects you and your company in the event that a client alleges they have suffered a final loss as a result of an error or omission committed by you in the delivery of your professional service. This is a separate policy from a General Liability policy (see our General Liability tab for information on this type of insurance).

Errors and Omissions insurance may be referred as any of the following:

• E&O
• E&O Insurance
• Errors Omissions
• Professional Liability

Our Errors and Omissions insurance programs are customized to each client and focuses on professional liability risks of each client.

Directors and Officers

Directors and Officers Liability Insurance (also referred to as D&O) provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. It is liability policy for management.

Directors and Officers Insurance is often mistaken for Errors & Omissions Insurance. The two are not the same. A D&O Policy provides coverage for the performance and duties of management versus an E&O Policy provides performance failures and negligence with respect to your products and services.

Contractors

Contractors General Liability Insurance is for residential and commercial builders, general contractors, construction managers, firms who design and build, specialty contractors or subcontractors, owners, and public and private construction projects.

Henderson Insurance Services offers a mix of traditional and alternative solutions for every type of contractor insurance project.

We offer CONTRACTOR POLICIES for every type of project:

• Property
• Builders Risk Insurance and Course of Construction
• Liability Insurance
• General Liability Insurance
• Contractor Insurance
• Commercial Auto
• Umbrella
• Workers Compensation
• Equipment Insurance
• Contractor Bonds

We will save you time by accessing all available markets looking for ways to save you money while making sure you are properly insured.

Condominiums HOA’s

Condo Association Insurance

Get your Master Property Insurance Quote today

Regardless of the size of your condo association or HOA, Henderson Insurance professionals will ensure your community association gets the right coverage. We can help with master property and director’s liability coverage, along with other association-related insurance products.

HOA Insurance-Directors and Officers (D&O) Liability Insurance

Every director and officer of a homeowner association board has personal responsibility for HOA business. The basic purpose of Directors and Officers insurance is to protect directors and officers from claims made because of wrongful (or allegedly wrongful) acts or omissions made while acting in their individual or collective capacity on behalf of the homeowners association.

An HOA needs to have insurance, but what is right for one community may not be right for another. Coverage needs to be appropriate for the associations involved. The following coverage’s should be considered when determining what is right for your HOA:

• Property Insurance
• Commercial Auto
• Automobile Insurance
• Directors and Officers Liability Insurance
• Employee Dishonesty Insurance
• Comprehensive Equipment Coverage Insurance
• Umbrella Liability Insurance

Church Packages

We work for you to help find the best coverage at the lowest price. Whether you are a start-up or mega church, we have a solution for you! Our goal is to provide you with the highest level of customer service and dedicate our resources to meet your needs and earn your trust.

Choosing insurance for your church involves much of the same analysis as choosing insurance for a business. Churches do differ, though, in some respects, from a traditional business. Allow our insurance professionals to assist you in choosing the right package.

Business Owners

“BOP’s” are policies which contain many of the insurance coverage’s needed by most small businesses. These policies are not standard and offer a great variation from insurance company to insurance company. The basic BOP offers business property for both building and content, and liability insurance protection for the operation of your business. The liability protection will generally include both the operation of your operations. Some might also offer business income and extra expense protection after and insured loss. Keep in mind: they do not cover and worker’s compensation, professional liability or business vehicle coverage.

Bonds

The exact purpose of a California surety bond depends on the specific bond type and how it functions. Bonds generally offer protection for businesses, consumers or government entities by providing financial security.

California surety bonds offer protection in a number of different ways:

• By protecting consumers from fraudulent or unethical business practices
• By protecting the state or local government from a business that might break the law
• By protecting companies that hire contractors to complete a particular project.

These are just a few examples of the hundreds of ways surety bonds provide protection in California. While getting a surety bond in California might seem complicated or confusing at first, as little research could go a long way in protecting your investments, and we are here to help.