slogan

951-327-6755 Follow Us:

  • header1
  • header2
  • header3
  • header4
  • header5

Business Insurance

business insuranceRed star team is here to help you find the right insurance coverage you need to protect your business. We offer verity of insurance products to provide insurance solutions for all major industries.

Services We Offer:

  • Business Owner Policy
  • General & Product Liability Insurance
  • Umbrella Excess Liability
  • Business Auto 
  • Property / Fire Insurance
  • Pollution Insurance
  • Inland and Ocean Marine Insurance
  • Professional Liability (Errors & Omissions)
  • Employers Practices Liability Insurance
  • Director & Officer's  Liability Insurance
  • Workers Compensation Insurance

Solutions for:

  • Manufacturers
  • Importers & Exporters
  • Wholesalers & Distributors
  • Technology, Internet Services
  • Computer Programmers and Software Developers
  • Retailers
  • Restaurants
  • Auto Repair, Body Shops, Gas Stations
  • Apartments, Condominiums, Homeowner's Association, Planned Unit Developments
  • Hotels / Motels
  • Property Owners , Shopping Centers, Office Buildings
  • Vacant Land
  • Professional Services, Offices, Doctors, Lawyers, Accountants etc

Common Policy Exclusions

Understanding what your policy excludes can save a lot of headaches in the event you have a claim. Every policy holder should read their policy from front to cover. You are buying a legal contract that will determine if an insurance company will pay for the damages resulting from a claim. Court cases have determined that ignorance is no excuse and that policy holders are responsible for reading and understanding their policies.

Here is a list of some common policy exclusions. Note that most exclusions can be covered by purchasing a separate and specific insurance policy:

Some Common Exclusions

Property:

  • Earthquake - Including Earthquake Sprinkler Leakage
  • Flood including sewer & drain backup.
  • Electrical Arching, Mechanical Breakdown, Explosion
  • Off Premises Power Failure
  • Building Ordinance
  • Demolition
  • Loss to undamaged portion of building due to ordinance/law

General Liability:

  • Absolute Pollution
  • Employment Practices - Discrimination, Wrongful Discharge, Sexual Harassment
  • Director's & Officer's Liability
  • Professional Liability - Rendering or failure to render professional service.
  • Punitive and/or Exemplary Damages

Business Auto:

  • Rental Car Physical Damage
  • Loss of Income due to down time

Truckers: 

  • Trailer Interchange
  • Non-owned Auto - Private Passenger Vehicles
  • Non-Trucking Use (Bobtail Coverage)

Umbrella:

  • Hostile Fire