At Welk Insurance Agency, we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That’s why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.
A Business Owners Policy (BOP) from Welk Insurance Agency allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.
The proper Business Owners Policy can keep your day-to-day operations protected with options such as:
Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Welk Insurance Agency who can help you determine whether a BOP is right for your small or medium-sized business.
Welk Insurance Agency understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.
To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Welk Insurance Agency, we’ll work with you one-on-one to create a customized policy that may include:
Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.
Since Commercial Auto Insurance coverage varies, it’s important to discuss your business options with a specialist at Welk Insurance Agency who can help you determine the proper amount of coverage for all your commercial needs.
Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it’s protected with Commercial Auto policy from Welk Insurance Agency.
Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you’re also accountable for keeping your employees and property insured from injuries and damages. At Welk Insurance Agency, we can help you create a policy that’s designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.
Commercial General Liability from Welk Insurance Agency can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Welk Insurance Agency coverages include:
Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.
Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.
Since there are many types of liability coverages, it’s important to talk with a specialist at Welk Insurance Agency about the best options for your business.
Every day, you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That’s why it’s important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.
With a custom Property Insurance policy from Welk Insurance Agency, you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:
Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.
In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverages, contact a professional at Welk Insurance Agency today.
As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.
With Commercial Umbrella Insurance from Welk Insurance Agency, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.
A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.
Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:
Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Welk Insurance Agency, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.
Protect your business personally and financially with a Commercial Umbrella policy from Welk Insurance Agency.
Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected. With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.
At Welk Insurance Agency, we’re dedicated to providing the coverage your business needs for the asset protection it deserves. Our Inland Marine policy insures that when your business is on the move, we’ll protect certain items, such as:
No matter what business you’re in, an accident can happen at any time. That’s why it’s important to have an Inland Marine policy from Welk Insurance Agency to provide your business with the appropriate coverage it needs on the road.
Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’s goods or equipment when transported by ocean and air, also known as Ocean Marine.
Contact an Inland Marine specialist at Welk Insurance Agency today to find out how your business can insure its most valuable assets while working or traveling off-site.
In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.
At Welk Insurance Agency, we understand that mistakes happen. That’s why we’re committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.
While it’s important for your business to have general liability coverage for property damage and bodily injury, Welk Insurance Agency recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.
From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:
Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.
Directors and Officers Liability (D & O) - Having financial protection for your business’s Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.
Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.
Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.
Contact a representative at Welk Insurance Agency today to prevent mistakes and errors from becoming major losses for your business.
Welk Insurance Agency understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they’re properly protected.
Having the right Workers Compensation plan from Welk Insurance Agency can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.
Workers Compensation can cover financial obligations such as:
If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That’s why it’s important to discuss your options with a specialist at Welk Insurance Agency who can help you find the right coverage options for all your business needs.
Owning a business means taking risks. At Welk Insurance Agency, we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.
Welk Insurance Agency's professional and knowledgeable bond specialists will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.
Our business solution services include:
If you need a bond or license, contact a bond specialist at Welk Insurance Agency today who can help you find the surety products that keep your business covered.
We provide bonding and license services to businesses near Orangevale, Folsom, Roseville, Fair Oakes, Placerville, El Dorado Hills, CA and surrounding areas.
As a business owner, even if you take every precaution possible to ensure the security of your business assets, theft and dishonesty can still happen. Without the right coverage, businesses can lose important data or experience major financial losses as a result of fraudulent activity.
A Fidelity Bond from Welk Insurance Agency can indemnify your company in the event of theft. Our coverage options range from the protection of businesses to the security of non-profit and professional organizations. With the right Fidelity Bond, you can cover your assets, including money, personal belongings, computer equipment, supplies, and more. Your business or organization can also cover any employees or volunteers.
Welk Insurance Agency's Fidelity Bond options include:
ERISA Bonds - for covering any claims that involve a violation of the Employee Retirement Income Security Act (ERISA). This includes situations that range from imprudent investments to failure to enroll employees.
Employee Dishonesty Bonds - that cover fraudulent acts committed by employees on the property of your business, including theft and other violations.
Business Service Bonds - that protect against theft of a client’s or customer’s property on their premises as a result of your employee’s careless actions.
While there are other options available, it’s important discuss the needs pertaining to your business with a licensed professional. At Welk Insurance Agency, we can provide you with the proper protection to keep your assets secure.
Your primary goal as a business owner is to ensure that your operations run smoothly and efficiently on a daily basis. But in special circumstances, the performance of your business may require extra attention that assures an obligee that you, the principal, are performing as promised.
At Welk Insurance Agency, we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.
Welk Insurance Agency can write a variety of Surety Bonds, including:
Since there are many types of Surety products, it’s important to discuss your options with a licensed, professional bond agent. Our underwriting services are flexible to meet your unique business needs, and we specialize in a high-degree of customer care that will ensure maximum consideration for your assets.
Contact a Bond specialist at Welk Insurance Agency today to keep your commercial responsibilities protected.
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