Pacific Lloyds Insurance Service, Inc. serving California

General Liability Insurance
Even a small accident can result in a large lawsuit and subsequent monetary damages to businesses. General Liability Insurance is therefore a necessity because it protects the business and all its assets from suits filed because of accidents.

Workers Compensation Insurance
The California Labor Code states that all employers must provide Workers Compensation Benefits in case of injury. Workers Compensation Insurance covers businesses from liability against suits from injured employees and serves as a remedy for work-related injuries while protecting the business’ assets from legal monetary damages.

Umbrella/Excess Liability Insurance
When your business becomes the target of a lawsuit, your existing coverage may not be enough to protect your business assets. Umbrella/Excess Liability Insurance is designed to provide extra protection to business against larger liability claims. We work closely with each of our business clients to make sure a devastating liability claim does not exceed existing liability protection.

Business Property and Equipment Insurance
Pacific Lloyds Insurance Service, Inc. will work with each of our business clients to determine the value of the property on the business’ books. A complete inventory is usually necessary, and an agent will work with the client to determine whether business insurance policies offer enough coverage for the property to be insured.

Commercial Auto Insurance
Commercial Auto Insurance offers coverage for liability, collision, personal injury, comprehensive, and uninsured motorist and can be specifically tailored to meet the needs of your business.

Employment Practices Liability Insurance
Businesses run the risk of becoming a target from a lawsuit brought about by employees whether currently or previously in their employ. Pacific Lloyds Insurance Service, Inc. provides loss prevention options for all Employment Practices Liability claims, minimizing exposure from lawsuits.

Professional Liability Insurance
There are several professions that can easily become the target of a liability suit. Most vulnerable are healthcare and legal professionals, but professional liability stretches over a wide spectrum of professions. Pacific Lloyds Insurance Service, Inc. offers the broadest range of Professional Liability Insurance products designed for every professional area.

Commercial Earthquake Insurance
Because earthquakes are a real part of living in California, businesses often assume earthquake insurance is included in property insurance. Commercial Earthquake insurance has to be purchased separately to protect against structure and property damage resulting from an earthquake. Pacific Lloyds Insurance Service, Inc. will offer the best options to cover against such perils.

Business Continuation Insurance
Key people in business are their strongest assets and it can be devastating to a business’ bottom line when a person playing a crucial role in the operation passes away. Business Continuation Insurance provides coverage on the lives of key people in business to make it possible for the business to continue after their passing.

Risk Management
Risk Management Insurance provides coverage against financial loss based or risk assessment of each business. It ensures additional coverage and insurance alternatives that can prevent liability losses to businesses.

Claims Management
This service is designed to hone in on fraudulent claims, identify subrogation claims, and minimize claims losses.

Construction Surety
The construction industry has very specific insurance needs and bond requirements. Our products include maintenance, performance, payment, and subdivision bonds.

Commercial Surety
Commercial Surety is often required and regulated by a governing body. They guarantee that products or services will be delivered as specified by the original purchase agreement.

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