As business owners, we understand how important your business is to you. You face different challenges everyday– make sure it’s protected today and tomorrow. Morning Star Agency Insurance Services has been insuring businesses in Irvine, Newport Beach, Mission Viejo, Tustin, and throughout all of Orange County and California since 2000. Every business is different, so our business insurance experts will get to know your business and find the perfect coverage for you at the lowest rate possible.
The most basic type of business or commercial insurance is known as general liability insurance. This will cover your business from common liability issues such as bodily injury or property damage. This means your business is protected against incidents that may happen on your premises or at other areas that are covered where business occurs. It will give you the financial backing to be able to run your business as usual without worrying about any claims that may come against you. General liability will also cover all legal costs to defend or settle claims, even if the claims are fraudulent. Basically it will cover your business against financial losses coming from claims of injury or damages to others by you and/or your employees.
Your employees are the most important part of your business, so make sure they are protected in the event something were to happen to them. Workers’ comp or workers’ compensation insurance protects your employees by paying for the medical expenses and at least some portion of their lost wages if they are injured on the job. Even though you are mandated by California to have workers’ comp insurance, it doesn’t mean you have to pay too much to be protected. We can help you find the best rate possible, with the coverage you need to protect yourself and your employees. You have enough to worry about, let us do the legwork and find the best policy for you.
If your business uses any vehicle to perform work tasks like a car, truck, van etc, personal car insurance will give you the coverage you need. Your vehicles need to be protected with a commercial auto insurance policy. Commercial auto insurance works similarly to a traditional auto insurance policy, but it protects your vehicles and any damage that is caused by them to a person or property. Commercial auto insurance policies are designed to protect professional vehicles and the employees driving them, insuring you are covered no matter what may happen.
The most successful business owners know they can’t predict the future, but also know how important it is to do their best to be prepared for it. One of the best ways to prepare your business for unforeseen challenges is to have the right business insurance coverage. We can create a business insurance policy tailored to your business and your needs, to get started just use our Business Quote tool for a free rate quote.