Types of Business Insurance:

  • Commercial Property
  • General Liability
  • Business Owners Policies (BOP)
  • Commercial Vehicle/Auto/Fleet
  • Worker’s Compensation
  • Builder’s Risk Insurance
  • Errors & Omissions
  • Employment Practices Liability
  • Group Benefits | Life & Health
  • Business Personal Property (BPP)

Protect what you've built!

Business is unpredictable. Buying business insurance shouldn't be. Pauma/Valley Insurance (PVI) will help safeguard the future of your business with many of our commercial insurance solutions. You've worked too hard not to protect what you've built.

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Commercial Property Insurance

Commercial Property Insurance helps prepare your business for the worst if it should happen. Protect your business property from damage, loss, and theft with commercial property insurance.

Business Personal Property (BPP)

Business Personal Property insurance provides protection for the property you own that is used in your business, tenant's improvements like fixtures and installations you've made to a building that you occupy but don't own, and includes leased property that you have a responsibility to insure. Examples of business personal property include computers, laptops, printers, furniture and office supplies you own or lease. If your business sells goods or products, Business Personal Property will also cover your inventory held for sale. Coverage is usually at replacement cost.

Business Owner's Policy (BOP)

You are going to want an insurance package that protects your business' property and protects you from liability. Many small businesses will qualify for a Business Owner's Policy (BOP), which is a combination of a General Liability policy, a Business Personal Property policy, and - if you own any buildings - a Building policy, plus a handful of additional useful coverages.

Business Vehicle Insurance

Whether you have one commercial vehicle or a fleet of commercial vehicles, PVI commercial auto insurance can customize a solution for your company. Business vehicle insurance adds an extra protection that may include coverage for bodily injuries, collisions, named perils and property damage. And as an add-on policy, consider a non-owned auto liability coverage, covering those instances when your employees drive their own personal auto for your business.

General Liability Insurance

Uncertainties in your business can happen anytime. Make sure you're protected with general liability insurance. Sometimes called Commercial General Liability insurance, protects your business from third party claims for damage to someone else's property, as well as bodily injury and any related medical costs. It covers the defense costs as well as any judgments for covered losses for which your business is held liable, up to your policy limit. All of which is a fancy way of saying: you and your employees have coverage if you get sued for negligence, property damage, injury, or slander.

FAQ's Regarding Business Insurance

The federal government requires every business with employees to have workers' compensation, unemployment, and disability insurance.

• Income losses
• Employee injury or illness
• Theft
• Property damage
• Lawsuits

Business Owner's Policy (BOP) can protect your small business against a variety of claims. It combines commercial general liability insurance and commercial property insurance, often including business income and extra expense (BIEE).

Bodily injury, property damage, advertising injury, and medical payments are typically included in general liability insurance.

If you unable to find the answer please see our Frequently Asked Questions page FAQ's

Protect what you work so hard for with Business Insurance.

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