Commercial Insurance

Insurance for your business is a necessity. But do you have enough? Too much? The correct coverage? Having a great partner looking out for your interest is what Saint Moore is all about. Saint Moore Insurance Agency has built its reputation on providing exceptional service. We strongly believe our clients are best served by actively helping them develop a successful business. Our knowledgeable and friendly staff are here to assist you with all your insurance needs.

Our insurance experts have years of experience working with a diverse group of customers and are prepared to provide advice on insurance related matters, including the complicated areas of OSHA compliance, human resource administration, workers' compensation and employee group health benefits. Saint Moore has the knowledge and services to provide you with:

• Cost Control Ideas and Strategies
• Methods to Identify and Transfer Liabilities
• Systems to Minimize Administrative Time and Costs
• Tactics to Increase Employee Loyalty and Productivity

We offer a variety of services such as Risk Management, OSHA Compliance Tools, and Group Health Benefits. We are proud to offer BizAssure, an advisory program for small businesses. BizAssure serves as an HR adviser for your small business, as well as providing many other employment-related services for firms that are not yet large enough to have their own in-house experts. Please contact us and we will be happy to provide you with more details.

Commercial Insurance Options from Saint Moore

Group Benefits

Saint Moore provides expertise in the design, marketing, implementation, and management of employee benefit plans to help your company gain maximum value from your investment. Our group benefits services include:

• Plan design
• Compensation strategies
• Benefits communications
• Retirement plans
• Administrative solutions
• Compliance assistance
   

Commercial Auto Insurance

Spend more time building your business and less time worrying about your insurance. As your company's needs and assets change call Saint Moore. We'll answer your questions, discuss available coverage options, and/or help you add a new car, truck, van, or trailer to your existing Insurance Policy. Remember... if you use a PERSONAL Auto for your business, your claim could possibly be denied if you're not covered correctly.
 

Workers' Compensation

Saint Moore Insurance Agency can help with making sure your company is compliant within the laws of California. Workers' Compensation Insurance can quickly and efficiently deliver benefits at a fair cost for work-related injuries and illnesses sustained by you and your employees. We have many programs available and would love to assist you in selecting a plan that fits you and your company best. We can also provide workers' compensation in many other states as well.
 

Business Owners Package

A Business Owner Package (BOP) is specifically designed to meet the insurance needs of small and medium size businesses. By combining your business property and liability protection into a packaged insurance plan, you can save money and reduce or eliminate coverage gaps.
 

Business Liability

Let us help you protect your business against financial loss resulting from claims of injury or damage caused to others by you or your employees.
 

Excess (Umbrella) Liability

No matter what size company you have or how well it is managed, your business faces the potential of a devastating claim arising from an unforeseen event. You could be potentially liable for millions of dollars in medical and legal fees. Would that entire sum be covered by your existing business liability insurance? Could your business savings and/or revenue make up for the difference in what's not covered? If your answer is no, an Excess Liability Policy may be just what you need. Umbrella Coverage goes above and beyond basic business liability insurance limits, offering up to $10 million of additional funds to manage situations just like this.
 

Errors & Omissions (E&O)

Professional services firms need Errors & Omissions (E&O) insurance. Mistakes happen. Let Saint Moore Insurance help protect you from a potential lawsuit.
 

Professional Liability Insurance (PL)

Professional liability insurance is a coverage that protects you in the event a client is harmed from a service or advice that you provide for which you are held legally liable. Saint Moore will make sure you are prepared and have the peace of mind knowing you will get through it.
 

Employee Dishonesty

Your business is really taking off so you've hired new employees. As time goes on, customer satisfaction remains great. Sales are sky rocketing, but something just isn't adding up. A check of the books reveal that your new bookkeeper has been stealing from you and now you're concerned how the bills will be paid. As disappointing as this scenario is, it is not at all uncommon. Whether you've just started a company or your enterprise is established and growing fast, your future success depends on what you do to build and protect your business today.
 

Surety Bonds

There are many reasons your business may need a surety bond, including:

• As a business owner, you may need a surety bond to guarantee payment for state sales taxes or utility bills.
• As a contractor, you may need to post a license or permit bond to guarantee your work for licensing requirements with municipalities.
• Attorneys may have clients that are required to post court bonds such as administrators or executors bonds to guarantee their performance while distributing assets in estate situations.
• Notary publics are required to post bonds in most states.

License & Permit Bond

License bonds guarantee the Principal will comply with applicable codes and regulations established by the Obligee (The Obligee is usually a government entity such as a City, Town, or State). Permit bonds grant a Privilege.
 

Contract Performance Bonds

Simply stated, contract bonds guarantee the performance of a written contract according to its terms and conditions. A bid bond guarantees that if a contractor is the low bidder on a project, he/she will enter into a contract and provide a performance bond. A performance bond guarantees the contract will be completed according to its terms and conditions. A Payment bond guarantees payment of laborers, subcontractors, and material suppliers.