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Roy's Insurance Center
General Liability
General liability insurance is important for businesses because it provides protection against a range of potential legal claims that could arise from their operations. This insurance typically covers claims related to bodily injury, property damage, and advertising injury. Without this coverage, businesses could be held responsible for costly legal fees, medical expenses, and damage awards, which could be financially devastating. In addition, having general liability insurance can provide peace of mind to business owners and help them to demonstrate their commitment to responsible business practices. Many commercial leases and contracts also require businesses to carry this type of insurance as a condition of doing business. Contact us for details.
Workers' Compensation Insurance
Workers' compensation insurance is a type of insurance that provides benefits to employees who suffer job-related injuries or illnesses. The insurance covers medical expenses, lost wages, and rehabilitation costs. Employers are required by law to provide workers' compensation insurance to their employees. The cost of the insurance varies depending on the type of work the employees perform and the level of risk involved in the job. Employers can purchase the insurance from private insurance companies or state-run programs. In the event of an injury, the employee must notify their employer and file a claim with the insurance company. The insurance company will then investigate the claim and determine the benefits to be provided.
Commercial Property Insurance
Commercial property insurance is a type of insurance that provides coverage for physical assets owned by a business. This includes buildings, equipment, furniture, inventory, and other property used in the course of business operations. The insurance typically covers damage or loss due to events such as fire, theft, vandalism, and natural disasters. It may also cover business interruption losses, which can occur if a covered event forces a business to temporarily shut down. Commercial property insurance is essential for businesses because it helps protect their physical assets and reduces the financial impact of property damage or loss. The cost of the insurance depends on the value of the insured property and the level of coverage selected. Call us for more information.
Health Insurance
Health insurance in California is designed to cover medical expenses and provide access to healthcare services. It can be obtained through various means, including employer-sponsored plans, individual policies, and public programs like Medi-Cal and Covered California. Medi-Cal is California's version of the federal Medicaid program, which generally covers lower-income Californians, including families and single adults, at no cost. Covered California is a state-supported program that offers health insurance to people who do not qualify through work or Medi-Cal, often providing financial assistance to reduce costs. Contact us for additional information.
Annuities
Annuities can be purchased with a single premium or through flexible premium payments over time. They can be deferred, meaning income payments are deferred until later, or immediate, where income starts immediately. Annuities in California often come with lower surrender charges compared to neighboring states. There are different types of annuities available in California, including fixed annuities, equity-indexed annuities, and variable annuities. Fixed annuities guarantee a minimum interest rate of return, while equity-indexed annuities offer the potential for growth linked to the equity market without exposing the investor to downside risk. Call us to review available options.
Surety Bonds
Surety bond protection is a contract between three parties: the principal, the obligee, and the surety. The principal is the person or entity that is required to obtain the bond as a condition of performing a specific activity or job. The obligee is the entity that requires the bond, usually a government agency or a private company. The surety is the insurance company that issues the bond and guarantees that the principal will perform the activity or job according to the agreed-upon terms. If the principal fails to fulfill their obligations, the surety will compensate the obligee up to the amount of the bond. This provides a level of protection for the obligee and ensures that the principal is held accountable for their actions. Enroll online here or call us for assistance.
Insurance product availablity
Annuities
Auto Insurance
Auto Warranty
Aviation Insurance
Commercial Property Insurance
Commercial Package Policy
Boat and RV
Bonds, Fidelity & Surety
Builders' Risk
Business' Owners Policy
Cyber Liability
Dental Insurance
Employee Benefits
Employment Practices Liability
ERISA/ Employee Benefit Liability
Excess Liability
Farm, Agribusiness, Equine
Fire Legal Liability
Garage Keeper's Liability
General Liability Insurance
Group/ Employee Benefits
Hangar keeper's Liability
Health Insurance
Law Enforcement Liability
Lawyer's Liability
Life Insurance
Premises Liability
Product / Completed Operations Liability
Professional Liability
Public Entity Management Liability
Property Coverage
SR22
Umbrella
Workers compensation
To file a claim, pay a bill, make changes to your policy or for a certificate of insurance, please contact carrier directly.
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