Business Insurance
Here at Martinez Insurance Agency, Inc. we dedicate ourselves to finding you the best insurance coverage for your business, no matter how small or big. Insuring your passion is what we are here for!
Workers compensation
Coverage Benefits: Provides payment for medical services (treatments, hospital stays), temporary or permanent disability payments to replace lost wages, and death benefits for survivors.
Cost Factors: Premiums are based on the employer's total payroll, industry risk level, and previous claims history
Exemptions: Sole proprietors, partners, or independent contractors may not be required to have coverage, though they can often choose to cover themselves
Mandatory Requirement: Almost all states require businesses with one or more employees to carry this insurance.
General Liability
Bodily Injury: Medical expenses for non-employees injured on your premises.
Property Damage: Costs for repairing or replacing property belonging to others damaged by your business.
Personal and Advertising Injury: Legal fees for claims of libel, slander, or copyright infringement.
Medical Payments: Covers smaller medical claims without a lawsuit.
Products-Completed Operations: Damages arising from products sold or completed services.
Coverage Highlights:
Employee injuries (requires workers' compensation).
Professional mistakes or negligence (requires Errors & Omissions insurance).
Damage to your own business property.
What is NOT Covered:
What is Umbrella Insurance?
Umbrella insurance, or Personal Umbrella Insurance coverage, protects you and your family when you've exceeded the liability limits on your auto insurance or homeowners insurance policy.
Your assets, home equity, retirement savings, and more could be at risk from personal injury and property damage claims if you don't have the right level of coverage.
How does it work?
An umbrella insurance policy extends well beyond your home and auto insurance if you're found liable for more than your other insurance policies can cover. A personal umbrella insurance policy allows you to select a liability limit that best protects your assets. Umbrella insurance coverage may include the following:
Personal injury coverage: For claims of libel, slander, defamation of character, and more
Worldwide coverage: For incidents that happen abroad
Vacation rental liability coverage: Protection for accidents involving boats, jet skis, scooters, and other rentals
Defense coverage: For legal fees and court costs
