Running a business can be very stressful. As a business owner, you are dealing with financing, operations, suppliers, marketing and much more. To ensure your long term success, it is critical for any business to have the right type and amount of insurance in place. Just like your home, car and health insurance; you never want to use it, but it will save you at a time you need it the most. Insurance is meant to protect one from liability actions, and to indemnify or restore you to your prior position before an event occurred. The following will provide a brief description of business insurance plans, their purpose, and how they protect a business…

Business Liability – Also known as Commercial General Liability (CGL)

• Protects the business from liability claims

• Required when leasing a building, warehouse or retail space

• Usual limits are $1?2 million per claim Business Property and Business Personal Property

• Business Property insurance pays for the repair or replacement of the building in event of a loss

• Business Personal Property (BPP) refers to all of your business contents. This will replace your furniture, business equipment, supplies and fixtures in case of a loss due to fire, rain, vandalism, theft, etc. Workers Compensation

• Protects the business in event an employee is injured or becomes ill due to a work related incident by paying for the cost of treatment and rehabilitation.

• In most cases it is an affordable coverage, and simple steps can be taken to reduce the risk of claims.

Commercial Auto Insurance: A commercial automobile policy provides coverage for legal liability and property damage arising out of the use of your business automobiles. You can designate coverage for owned vehicles as well as leased, hired and/or borrowed vehicles. More coverage options are also available.

• Fast and Accurate plan for your commercial truck or vans

• We shop for Competitive Rates from available carriers

• Covers vehicles for Collision, Theft, and more

• Liability Protection from $100,000 to $1 million A commercial automobile policy provides coverage for legal liability and property damage arising out of the use of your business automobiles. You can designate coverage for owned vehicles as well as leased, hired and/or borrowed vehicles. More coverage options are also available.

• Fast and Accurate plan for your commercial truck or vans

• We shop for Competitive Rates from available carriers

• Covers vehicles for Collision, Theft, and more

• Liability Protection from $100,000 to $1 million

COMMERCIAL AUTO INSURANCE for... • Plumbing • HVAC Contractors • Carpet Cleaning • Electrical Contractors • Contractors/Tradesmen • Construction • Courtesy Transportation Services • Food Service: Catering • Funeral Services • Guides & Outfitters • Landscapers • Manufacturing • Pest Control • Retail: Florists, etc. • Sales Reps/Realtors

Group Health and Benefits

Pacific All Risk Insurance Brokers helps to evaluate and select a group health insurance plan for your company. It is also a partnership between you and our brokers and agents that provides a choice of coverage plans from all carriers, plan communication to employees, and plan maintenance by professionals.

Benefits of Working with Us!

Licensed Agents and Brokers - Our Duty is to Act on the Best Interest of Our Clients

Talk to a Person - No Call Center, Chat bots or AI with repetitive questions and pointless conversations. Local - Our Agents are Experienced with The Plans, Networks and Medical Groups in Local Communities Insurance Brokerage - We Help Select from Many Available Insurance Plans, Not One-Size Fits All Customized Plan Design - Get the Coverage Right for You, Your Company and Your Team

Make Changes Anytime - Health Events, Budgets, Life Changes Happen. Review and Adjust Plans if Needed.

Voluntary Benefits - Group Discounts on Life, Disability, LTC, Cancer, Accident, Pet Insurance & More. Choose from Many Extras - Wellness Plans, Educational Seminars, Entertainment Discounts.

Benefits To Members

• Group rate on benefits employees need.

• Service from licensed professionals

• Easy to participate and select a plan Benefits To You

• Consultative approach to fit your company

• Attract and retain valuable employees

• Increased loyalty and satisfaction

• More positive interaction with employees

• Benefits HR Portal with Optional Payroll Integration

• Group Health Plan Design Available Products

• Group Dental, Vision, Life, Disability, LTC

• 401K Plans, Lunch & Learn Seminars

• Discounts on Home/Condo/Tenant Ins.

• Wellness Benefits, Relocation Services

George Varela is an Independent Benefits Broker. That allows us to shop among all available insurance plans to find the right ones for a clients needs and to fit the budget. A consultative approach allows us to ask questions, shop for coverage and then present a solution that meets the clients objectives.