Business Lines

General Liability Insurance
Protect your business from 3rd party claims of injury or property damage with General Liability Insurance Protection for your business in San Diego.

Protects your business from claims or damages caused by your employees, products, and/or services. It helps cover the cost of your defense from claims of injury, property damage, and negligence related to the business activities.

Insurance providing wage replacement and/or medical benefits to employees injured on the job.

Workers Compensation
Protect your business and employees from workers’ compensation claims. Promote a culture of safety and reduce the cost and frequency of claims.

What is Workers’ Comp Insurance?
If you are a business owner in California with employees, you will want to understand your obligations as it pertains to carrying Workers’ Compensation insurance. Basically, if you have employees, you need to have Workers’ Comp insurance. This will cover your employee(s) if they are injured on the job and need coverage for wage loss or medical needs related to said work injury.

As explained in Entrepreneur’s “Workers’ Compensation 101” online article, most states:

…require employers to purchase an insurance policy [in order] to handle their statutory obligations to workers who are injured or made ill due to a workplace exposure.

Enrolling is Easy
As stated at CA.gov:

You can purchase workers’ compensation insurance coverage through an agent or a broker from any of the privately licensed insurers authorized to write policies in California.

Here at BCBIS, we offer a wide variety of options for you to obtain the required workers’ comp coverage for your business, at affordable premium levels. Many factors, including the type of business and number of employees can affect your rates.

Call us today or click to answer a few short questions and get an estimate of the potential premium costs for your business.

If you have questions on what’s required, feel free to message us.

For additional resources, both the State of California and the United States Department of Labor have websites for specific inquiries.

Employment Practices Liability (EPLI)
Liability Insurance Protection from wrongful acts arising from employment. Common claims include sexual harassment, retaliation, & wrongful termination.

What is EPLI Insurance?
Employment Practices Liability Insurance covers employment related claims (listed above) in addition to other types of inappropriate workplace conduct. EPLI policies can also cover areas such as defamation, failure to promote, invasion of privacy, negligent evaluation, and deprivation of a career opportunity. With this coverage, the policies would apply to directors and officers of the company, management personnel, and employees, all as the insureds.

Things that are likely to be excluded from EPLI insurance include bodily injury, property damage, and intentional/dishonest acts. As explained at the International Risk Management Institute website, Employment Practice Liability Insurance policies are written on a claims-made basis. In other words:

The forms contain “shrinking limits” provisions, meaning that insurer payment of defense costs—which are often a substantial part of a claim—reduce the policy’s limits. This approach contrasts with commercial general liability (CGL) policies, in which defense is covered in addition to policy limits.

How Do I Enroll?
Enrolling in a policy is as simple as calling one of our knowledgeable agents to walk you through the application process. We’re here to make everything easy to understand and find you the most affordable protection options for your business. EPLI is available as stand-alone coverage and is also sold as part of a management liability package policy. Give us a call today!

Commercial Auto Insurance
Protect your fleet of vehicles and your business with commercial auto insurance.

Provides coverage for autos that are used in the business, whether they are autos you own, personal, non-owned or hired autos used for the business. It protects you and your business should an employee drive a personally owned vehicle for company business. It also covers vehicles that are occasionally rented for use in the business.

Liability insurance will cover any personal injuries or property damage caused by others if you or one of your employees causes an accident while driving a vehicle owned or used by the business.

1228 University Ave Suite #200 San Diego, CA 92103
(855) 441-2245
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