949 529 0774
AFFORDABLE INSURANCE SOLUTIONS FOR YOUR BUSINESS
General Liability
Commercial Auto
Workers Compensation
Health, Dental, Vision
Property
Products Liability
Employee Dishonesty Bond
Hostage and Ransom Liability
Professional Liability
Employment Practices Liability
Directors & Officers Liability
Non-Profit Organization Liability
Commercial Umbrella
Commercial Excess Liability
Special Events
Contractor's Liability
Equipment Floater
Builder's Risk
Inland Marine Property
License, Bid & Performance Bonds
Pollution Liability
Railroad Protective Liability
Course of Construction
We provide affordable insurance solutions for retailers, contractors, service professionals, manufacturers, wholesalers, commercial property owners, non-profits, social services and government agencies.
Provides wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Limits up to $2,000,000 available.
Premiums start from $500 per year.
Protects your business in the event that you are sued. Coverage is designed to protect against bodily injury or property damage claims. Admitted and Non-Admitted carriers. Same day coverage is available for most businesses.
Limits up to $4,000,000
Premiums start from $500 per year.
Protects you from costs associated with injuries or property damage suffered by others in an accident that causes bodily injury to another person, this coverage will help pay for costs associated with injury or injuries.
Limits up to $2,000,000 available.
Premiums start from $900 per year.
When you are liable to someone, your primary insurance policies will pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella / excess policy). Zero deductible option is available.
Limits up to $50,000,000 available.
Premiums start from $750 per year.
Provides coverage for directors and officers for claims made against them while serving on a board of directors and/or as an officer. Policies function as "management errors and omissions liability insurance", covering claims resulting from managerial decisions that have adverse financial consequences.
Limits up to $25,000,000 available.
Premiums start from $1,000 per year.
Errors & Omissions (E&O) liability helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
Limits up to $25,000,000 available.
Premiums start from $500 per year.
Coverage for businesses and other organizations that insures against damage to their buildings and contents due to a covered cause of loss, such as a fire. The policy may also cover loss of income or increase in expenses that results from the property damage.
Limits up to $100,000,000 available.
Premiums start from $350 per year.
It covers the manufacturer's or seller's liability for losses or injuries to a buyer, user or bystander caused by a defect or malfunction of the product, and, in some instances, a defective design or a failure to warn.
Limits up to $50,000,000 available.
Premiums start from $1,500 per year.
EPLI covers wrongful acts arising from the employment process. Claims covered under such policies include wrongful termination, discrimination, sexual harassment, and retaliation, variety of other types of inappropriate workplace conduct, including employment-relate d defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation.
Limits up to $50,000,000.
Premiums start from $1,000 per year.
CPL is a contractor-based policy, offered on a claims-made or occurrence basis. It provides third-party coverage for bodily injury, property damage, defense, and cleanup as a result of pollution conditions (sudden/accidental and gradual) arising from contracting operations performed by or on behalf of the contractor..
Limits up to $50,000,000.
Premiums start from $2,500 per year.
Surety and fidelity bonds are a form of insurance issued by licensed insurance companies and are used to manage risk and protect against damage or loss in commercial transactions. Sometimes the bonds are required by law before commercial parties may engage with each other.
Limits up to $10,000,000.
Premiums start from $100 per year.
Builder's Risk or Course of Construction coverage protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.
Limits up to $10,000,000.
Premiums start from $500 per year.
Workers Compensation
Provides wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Limits up to $2,000,000 available.
Premiums start from $500 per year.
General Liability
Protects your business in the event that you are sued. Coverage is designed to protect against bodily injury or property damage claims. Admitted and Non-Admitted carriers. Same day coverage is available for most businesses.
Limits up to $4,000,000
Premiums start from $500 per year.
Commercial Auto
Protects you from costs associated with injuries or property damage suffered by others in an accident that causes bodily injury to another person, this coverage will help pay for costs associated with injury or injuries.
Limits up to $2,000,000 available.
Premiums start from $900 per year.
Umbrella / Excess
When you are liable to someone, your primary insurance policies will pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella / excess policy). Zero deductible option is available.
Limits up to $50,000,000 available.
Premiums start from $750 per year.
Directors & Officers Liability
Provides coverage for directors and officers for claims made against them while serving on a board of directors and/or as an officer. Policies function as "management errors and omissions liability insurance", covering claims resulting from managerial decisions that have adverse financial consequences.
Limits up to $25,000,000 available.
Premiums start from $1,000 per year.
Professional Liability
Errors & Omissions (E&O) liability helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
Limits up to $25,000,000 available.
Premiums start from $500 per year.
Property
Coverage for businesses and other organizations that insures against damage to their buildings and contents due to a covered cause of loss, such as a fire. The policy may also cover loss of income or increase in expenses that results from the property damage.
Limits up to $100,000,000 available.
Premiums start from $350 per year.
Products Liability
It covers the manufacturer's or seller's liability for losses or injuries to a buyer, user or bystander caused by a defect or malfunction of the product, and, in some instances, a defective design or a failure to warn.
Limits up to $50,000,000 available.
Premiums start from $1,500 per year.
Employment Practices Liability
EPLI covers wrongful acts arising from the employment process. Claims covered under such policies include wrongful termination, discrimination, sexual harassment, and retaliation, variety of other types of inappropriate workplace conduct, including employment-relate d defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation.
Limits up to $50,000,000.
Premiums start from $1,000 per year.
Pollution Liability
CPL is a contractor-based policy, offered on a claims-made or occurrence basis. It provides third-party coverage for bodily injury, property damage, defense, and cleanup as a result of pollution conditions (sudden/accidental and gradual) arising from contracting operations performed by or on behalf of the contractor..
Limits up to $50,000,000.
Premiums start from $2,500 per year.
Surety & Fidelity Bonds
Surety and fidelity bonds are a form of insurance issued by licensed insurance companies and are used to manage risk and protect against damage or loss in commercial transactions. Sometimes the bonds are required by law before commercial parties may engage with each other.
Limits up to $10,000,000.
Premiums start from $100 per year.
Builder's Risk
Builder's Risk or Course of Construction coverage protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.
Limits up to $10,000,000.
Premiums start from $500 per year.
Western United Commercial Insurance Services
430 N El Camino Real, Suite D, San Clemente, CA 92672
CA DOI License No: 0D63182