Earning Your Business Every Day

We strive for California Insurance premium cost containment in good times and bad. We provide the necessary and often mandated business insurance polices that are "essential" to running an effective and compliant business for the protection of the owner and the employee.

Liability Insurance

• Commercial Liability Insurance

  Commercial General Liability (GCL) insurance protects a business against claims of bodily injury or property damage. Within a GCL insurance policy insurance protection would be afforded for physical property, owners, employees, vendors, and volunteers. It will also include insurance coverage for bodily injury, products completed operations or services, contractual liability, fire, lightening or explosion, medical payments, personal injury, and advertising injury. A BOP (business office policy) combines both the General Liability and the property insurance in a single insurance policy. In addition a business can add commercial auto insurance for company owned or hired and non-owned automobile insurance coverage.
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• Commercial Property Insurance

  Commercial property insurance protects business personal property and tangible assets against physical damage or loss by way of an accident, fire or theft. The property can be replaced at actual cash value or replacement cost even though it may not be in the business location at the time of loss. Property and casualty insurance can also include buildings owned or leased, loss of income, and earthquake insurance if applicable.
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• Excess Liability Insurance (aka Umbrella)

  Excess liability insurance provides additional liability coverage when the liability limits of the policy are exceeded. These limits apply to the GL and hired and non-owned auto. The excess liability is written s a separate insurance policy.
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• Employee Practices Liability Insurance (EPLI)

  With rising employment related claims and lawsuits, EPLI becomes a critical insurance need for any company. It provides insurance protection for claims against managers and employees for claims in the areas of age, gender discrimination, sexual harassment, wrongful discipline and termination, breach of contract, and emotional distress as examples of actions covered.
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• Directors & Officers Liability Insurance (D & O)

  D&O Insurance provides liability protection of officers and directors of a corporation where a claim or lawsuit assumes that the individual has committed a wrong action with regard to the operation of the company's business. D&O insurance can protect alleged claims for errors in judgment or for not performing their business in a manner consistent with exercising appropriate business judgment.
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• Professional Liability Insurance (Errors & Omissions)

  E&O insurance is required insurance for a variety of professional services. Among these are attorneys, doctors, dentists and engineers. Professional liability insurance protects the professional when there is an error or omission in performance of professional services where a client may suffer a financial loss. An E&O insurance policy in most cases covers insurance claims made on a claims-made basis. This means that the coverage must be for work acted upon during the policy period and for claims made during the same period of time.
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• Workers' Compensation

  In the state of California, Workers' Compensation insurance is mandatory. Every business that has employees on payroll is required to carry Workers' Compensation insurance. Workers' Compensation insurance protects both the employee and employer. It provides medical, disability, lost wages and job retraining associated with on-the-job work related injuries.
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Employee Benefits

• Group Health & Dental Insurance

  Most employers offer their employees select medical and dental insurance. A group insurance health plan benefits both the employer and employees. The employer provides group health as an incentive to attract and keep his employees. The employee has the advantage of joining a group insurance plan without the same medical scrutiny as required for a individual plan. In most cases, depending on the type of insurance plan, the employee can add family dependants to the company plan confident that all family members are afforded cost effective health insurance.
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• Group Life & Disability Insurance

  Group life & disability insurance can enhance the foundation of a company's employee benefits program. With both group life insurance and group disability insurance, the employer can take a lead role in protecting employees and their families from financial hardship in the event of death or disability. Disability insurance can be designed to provide short term or long term disability. Combined with a group life insurance plan, the employer can offer a strong benefit insuring the financial security of his employees and their family members.
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• Employee Retirement Plans

  Feldman Insurance Services can provide the expertise to initiate or modify a company employee retirement plan that benefits the owner (tax savings) and the employee (retirement savings) to stay on the leading edge of responsible employee benefits. Feldman Insurance Services offers a variety of retirement plan: 401(k), Deferred Compensation, Deferred Benefit, Buy-Sell, SEPs. Our retirement planning experts will assure that you are getting the correct employee retirement plan based on your requirements and needs.
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Specialty Insurance

• Professional Liability Insurance (Errors & Omissions)

  E&O insurance is required insurance for a variety of professional services. Among these are attorneys, doctors, dentists and engineers. Professional liability insurance protects the professional when there is an error or omission in performance of professional services where a client may suffer a financial loss. An E&O insurance policy in most cases covers insurance claims made on a claims-made basis. This means that the coverage must be for work acted upon during the policy period and for claims made during the same period of time.
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• Surety Bonds

  Surety bonds may be required for certain types of business relationships. A bond is a legal contract between a first party (the principal or obligor), a second party (the customer or obligee), and a third party (the surety, such as a bank, bonding company, or insurance company) whereby the surety guarantees payment of a specified maximum sum, or to otherwise compensate (indemnify), the obligee against damage or loss caused by the actions (or a failure to perform) of the obligor. Depending on the relationship and business there are various types of bonds: ERISA (pension protection), money transfer agent, contract bonds, court bonds, subdivision bonds, and commercial bonds.
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Partners

Feldman Insurance Services provides business insurance essentials to the California cities of: Alameda, Anaheim, Berkeley, Burlingame, Carlsbad, Concord, Dublin, Emeryville, Fairfield, Fremont, Hayward, City of Industry, Livermore, Long Beach, Los Angeles, Millbrae, Milpitas, Mountain View, Oakland, Ontario, Palo Alto, Pleasanton, Redwood City, Richmond, Sacramento, San Francisco, San Leandro, San Jose, San Mateo, Sunnyvale, Santa Clara, San Diego, San Luis Obispo, San Mateo, San Ramon, Santa Barbara, Santa Cruz, Santa Monica, Ventura, Walnut Creek.