Apple Capital Group Insurance
We understand the challenges of owning a small business. Small business owners wear multiple hats and the last thing they want to think about is spending all their time on the phone or computer, researching for insurance that fits their business budget as well as their specific coverage needs.
When you contact Apple Capital Insurance for your business insurance needs, we make the process easy and relatable to real business owners. We are not going to confuse you with insurance jargon or try to upsell you with coverages you will never need. Contact us with any questions, you will not be disappointed.
Business Owners Policy (BOP)
These policies combine protection from all major property and liability risks in one package including property insurance for buildings and contents owned by the company, business interruption insurance (covering loss of income resulting from a fire or other catastrophe), and liability protection covering your company’s legal responsibility for the harm it may cause to others. Our BOP also includes Extra Employment Practices Liability so that if customers, vendors or others accuse you of sexual harassment or discrimination you are protected.
Business Property and Liability
Commercial Property – Property damage insurance is for businesses protecting against losses when property is damaged or destroyed. It is essential in protection of a company’s most valuable tangible assets. Besides the actual premises, commercial property insurance can also include protection on valuable equipment, inventory, furniture, and records. Commercial and Business liability insurance covers your business if someone is hurt on the property or where there is property damage. Your policy can also protect you against libel, copyright infringement or wrongful eviction. Depending on your company’s business practices, it is important to evaluate your most valuable assets and protect them from any potential perils. Our goal at Western Pacific Insurance Group is to help assist you in this process while giving you enough information to make a sound business decision.
Sometimes this coverage can be underestimated in the eyes of a business’ risk manager. Our goal is to emphasize how much money can be lost by accidents over a lengthy period of time. Because there are so many different types of commercial vehicles and different hazards and scenarios these vehicles face compared to the typical personal vehicle, there are several different types of commercial car insurance and coverage’s. For businesses with a large fleet of autos, more coverage is obviously needed. On the other hand, a company with only one to two vehicles still needs to be protected because the driver is not liable if a crash occurs. A large amount of money goes towards autos and companies that depend on their vehicles as a source of revenue and need to make sure they are protected if an accident happens. At Western Pacific Insurance Group, we take the time to discuss with you a policy that fits with your business needs.
Mistakes can happen at any time. A small error can have financial consequences most small businesses simply can’t handle. Whether it is a doctor, lawyer, or top executive, one of the biggest potential financial losses for a professional may come from a lawsuit filed against them. Liability claims have no upper bound, and can certainly cost a business or individual a considerable amount of money if not adequately protected against. In order to guard against these types of losses, professionals are strongly encouraged to purchase liability insurance. For example, lawyers would want to purchase an errors and omissions policy to protect them in case a client holds them responsible for a service that wasn’t provided. Western Pacific Insurance Group is one of the largest writers of public defenders on the west coast. Western Pacific Insurance Group specializes in Employment Practices Liability, which protects against liability lawsuits relating to wrongful termination, directors and officers, and much more.
Washington’s commercial marine industries abound and operate in some of the most populated and dangerous waters in the world. Commercial marine company owners demand an unparalleled level of insurance protection to mitigate risks associated with operating a business in the Puget Sound. Our marine specialists at Western Pacific Insurance Group works aggressively to provide programs for fishing, excursion and sightseeing vessels. Commercial vessels, such as tugs, barges, construction vessels, crew boats and crew insurance coverage protection is important for commercial marine business owners and we work together with you and your key staff to cover your business and your staff to secure their future in the Commercial Boat Industry.
Errors and Omissions Liability
General Liability – This coverage is important for small and large businesses alike. Without it, businesses would be responsible for any injuries or damages that may result from the products or services that they provide. These injuries or damages could range from accidents to faulty packaging to construction defects. General Liability coverage is crucial because it could potentially indemnify a business during or after a large law suit.
Commercial Surety Bonds and general transactional surety bonds, such as license bonds, public official bonds, judicial / fiduciary bonds, and miscellaneous surety bonds ensure work. Surety Bonds are also a promise by a surety or guarantor to pay one party (the oblige) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. In other words these bonds guarantee completion of contracts for builders, service contractors and suppliers. Whether you’re an individual seeking a particular type of bond, or run a business with a variety of bonding requirements, Western Pacific Insurance Group can provide a surety program tailored to your needs.
Check out some of our upcoming insurance products coming to to Apple Capital Group Insurance:
Life Insurance Quotes
Individual and Group Plans
Health insurance Quotes
Long Term Care
Long Term Care Quotes
Critical Illness Plans
Critical Illness Quotes
Disability Insurance Quotes
Antique and Classic
Auto Insurance Quotes
Home Insurance Quotes
Business insurance Quotes
Boat and Marine
Boat Insurance Quotes
College Funding Alternative
Call us now to discuss your company’s commercial insurance needs at Apple Capital. Call 866-611-7457.