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What Does Auto Insurance Cover?

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The agents at QuoteBroker Insurance Services serving the Santa Clarita, CA area are touting the importance of having an adequate amount of auto insurance in place.

In the state of California, all drivers must have a minimum amount of auto liability insurance in place to be able to legally drive a motor vehicle.

Auto Liability Insurance

An auto liability insurance policy will provide protection for any injuries or damage that you cause to other people or their property if an accident occurs that is your fault.

Collision Coverage

This type of insurance coverage provides protection if your vehicle is damaged because you had a collision with another vehicle or a stationary object. This type of coverage can help you pay for repairs or even the replacement of your vehicle.

Comprehensive Coverage

This type of coverage provides protection against damage to your vehicle caused by certain events, including a theft incident, an act of vandalism, a fire, or some sort of natural disaster.

Uninsured/Underinsured Motorist Coverage

This type of auto insurance coverage provides protection if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages and medical bills.

Other Options

From personal injury protection and rental car coverage to roadside assistance and so many more, there are other auto insurance coverage options you can choose from.

Contact Us Today

To create the very best auto insurance policy, you can connect with the experienced and trusted auto insurance agents at QuoteBroker Insurance Services serving the Santa Clarita, CA area. Call today for a quote and to get your policy started.

California Commercial Insurance: Are You Prepared?

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California businesses face a wide range of risks, from natural disasters to liability claims. As such, it’s essential to ensure that your business is prepared with the right commercial insurance coverage. QuoteBroker Insurance Services, a trusted provider of commercial insurance in Santa Clarita, CA, can help businesses understand their insurance needs and find the right coverage to protect their assets.

Commercial Insurance in California

One of the most critical types of commercial insurance for California businesses is liability insurance. Liability insurance can protect businesses against legal claims arising from injuries, property damage, or other incidents that occur on their premises. Without adequate liability insurance, businesses could face significant financial losses and even bankruptcy. QuoteBroker Insurance Services can work with businesses in Santa Clarita, CA to determine their liability insurance needs and find policies that provide comprehensive coverage.

Another important type of commercial insurance for California businesses is property insurance. Property insurance can protect businesses against losses resulting from damage or destruction of their physical assets, such as buildings, equipment, and inventory. This type of insurance is particularly important in California, where businesses are at risk of earthquakes, wildfires, and other natural disasters. QuoteBroker Insurance Services can help businesses find property insurance policies that provide the right level of coverage for their specific needs.

Finally, businesses in California should also consider cyber liability insurance. With the rise of cyber threats, such as hacking and data breaches, businesses are at risk of losing sensitive information and facing legal claims from customers or employees. Cyber liability insurance can provide coverage for these risks, including legal fees, notification costs, and other expenses associated with a data breach. Our team understands our clients’ cyber liability insurance needs and can help find policies that provide adequate coverage.

Reach Out To Us!

California businesses must be prepared for a wide range of risks, including liability claims, property damage, and cyber threats. QuoteBroker Insurance Services can help businesses in Santa Clarita, CA understand their commercial insurance needs and find policies that provide comprehensive coverage. By working with a trusted insurance provider like QuoteBroker Insurance Services, businesses can ensure that they are prepared for whatever challenges come their way.

Why workers compensation insurance is critical for your business

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Workers compensation insurance is an essential part of running and maintaining a successful business here in the Santa Clarita CA area. Not only does it provide coverage for employees in the case of any accident or injury that occurs on the job, but it can also help protect your business from expensive lawsuits that could arise from such incidents.

With a workers comp insurance policy from QuoteBroker Insurance Services, businesses are able to provide their employees with medical care, lost wages, and other financial support if they become injured while performing their job duties. 

In addition to protecting your business against potential legal action, having workers compensation insurance can also help to improve employee morale and retention by providing peace of mind that if an accident were to occur on the job, there would be a safety net in place for them. In today’s competitive economic environment, it’s important for businesses to provide as much security and support as possible for their staff members—workers comp insurance is one way to do just that. 

Overall, workers compensation insurance is an important asset for any business owner who wants to ensure their company’s success. Not only does it protect employees from injury-related expenses, but it also provides protection from costly lawsuits which could otherwise spell disaster for any organization. To ensure your business remains safe and secure, investing in proper workers comp coverage is key.

We Are Here To Help!

If you have any other questions about your workers compensation insurance policy or any other type of insurance product, give us at QuoteBroker Insurance Services a call today. We proudly serve the Santa Clarita, CA area and would be happy to help you find a policy that meets your needs and your budget.

Do You Need Umbrella Insurance For Your Home Business?

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If you’re running a home business, it can be hard to figure out exactly how to protect all of the hard work you’re putting into growing your organization. Understanding what type of insurance you need is an important step in your business growth. QuoteBroker Insurance Services, serving the greater Santa Clarita, CA community, is here to help. 

Why Umbrella Insurance?

Many business owners wonder whether they need an umbrella insurance plan to protect their home business. Talking with your insurance agent is a smart first move to learn about the coverage that you already have, and can help you determine whether umbrella insurance is a smart move for your business.

Umbrella insurance works to protect any parts of your business that your other types of insurance do not cover. You’ll want to consider several factors when you’re deciding whether you want to purchase an umbrella insurance policy for your business. 

Your current business income may be an important factor in determining whether it’s worth it to protect your business with umbrella insurance coverage. You won’t want to pay more for your policy than you have in assets in your business. This means that while you may not need umbrella insurance when you get your business started, it may become a necessity down the line. It’s important to regularly reevaluate your business and your assets to ensure that your insurance coverage is sufficient for your needs.

QuoteBroker Insurance Services: Proud to Serve Our Santa Clarita, CA Clients

We know that you need to protect your home business, and we’re excited to chat with you about all of your insurance needs. Give us a call or stop in today to discuss how we can help you protect your hard work.

Questions to ask before choosing health insurance coverage

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Choosing your health insurance is one of the most important decisions that you make every year. Just letting your policy continue from one year to the next may not be in your best interest. At QuoteBroker Insurance Services in Santa Clarita, CA, we are an independent agency, which means we can offer insurance from multiple carriers, allowing our customers to have more choices. 

Questions to ask before choosing health insurance coverage

Is my doctor in the network?

Before deciding on a health insurance policy, it is vital that if you have a preferred doctor or other healthcare professionals, you make sure that they are in the network you are considering. Not every doctor is in every network, and it is up to you to make sure that the doctors you want are covered by your plan. 

What is the plan deductible?

Before your health insurance starts to pay for services, the deductible must be met. If it is too high, it can mean that you will have no services that are covered. It is a fine balance between a policy that you can afford and one that provides you with the coverage you need. 

What type of managed care is it?

There are three main types of managed care; an HMO. PPO, and POS. All of them have good points and not-so-good points. An HMO is the most restrictive, providing little or no coverage outside your network, but is the least expensive. A PPO will give you a better rate if you stay within your network and a POS lets you decide if you want to have service in or out of the network. If you need flexibility, it is the best choice. 

Give us a call

Contact QuoteBroker Insurance Services in Santa Clarita, CA if you need more information about your health insurance options. 

How to make your home a safer place

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Making your home a safer place is not something most homeowners take lightly. Finding ways to protect yourself and your largest investment is important for many reasons. At QuoteBroker Insurance Services in Santa Clarita, CA, we are independent insurance agents dedicated to providing our customers with the most choices and the best options. You can count on us to be there through the good times and the bad. 

How to make your home a safer place

Make sure your smoke detectors are working

If you burn something in the kitchen and your smoke detector doesn’t make a racket, you have a problem. If they are battery-operated, you need to change the batteries. Smoke detectors can save your life and give you a warning if a fire erupts in your home. 

Earthquake-proof your home

Santa Clarita is near two fault lines, and there are things you can do to help minimize earthquake damage in your home and to yourself. Some simple sets can minimize damage. Strap heavy appliances to the walls and heavy furniture as well. Place heavy items on shelves close to the floor and store glassware in closed cabinets. Make sure light fixtures are attached to beams and attach things on the walls with extra security. 

Add a home security system

These days, you can add a DIY home security system for a very minimal expense. The setup is simple, and they are easy to operate. Many can be controlled by your smartphone. 

Use your door and window locks

Exterior doors and windows come with locks, but they don’t do you much good unless you use them. Make sure all your windows, patio doors, and other doors are locked, not only when you go out, but when you are in as well. 

Contact Us Today

Give QuoteBroker Insurance Services in Santa Clarita, CA a call when you are considering your home insurance or stop by our office. 

Do You Need Workers’ Compensation If All Your Employees Are Family Members?

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If you have a family business in Valencia, CA, you may wonder if you need to purchase workers’ compensation insurance. The answer to this question depends on a few factors. You can learn more about workers’ compensation from QuoteBroker Insurance Services and whether or not your family business needs it.

What Is Workers’ Compensation?

Workers’ compensation is a system in the United States and many other countries that provide benefits to injured workers or who contract an illness at work. State governments usually administer the program as part of social welfare programs.

Are Family Members Exempt from Workers’ Comp in California?

No. California Labor Code Section 3351 defines an employee as any person employed by an employer, regardless of their legal status. This includes employees who are related to the employer.

Who Can Be Excluded from Workers’ Compensation in California?

The Labor Code specifies that every employer must secure workers’ compensation insurance or self-insurance that provides their employees medical benefits and partial lost wages. To elect for self-insurance, the employer must meet a set of criteria defined by the Department of Industrial Relations. Some of these criteria include the following:

For Three Full Years, The Company Must:

  • Be a legally-recognized business
  • Have independently audited and certified financial statements
  • Have an acceptable credit rating

A Note On Sole Proprietors:

Business owners who do not have any employees do not need to purchase workers’ compensation insurance. However, they may elect to buy it to cover themselves.

Give Us A Call

QuoteBroker Insurance Services, located in Valencia, CA, offers workers’ compensation insurance to businesses and individuals in the area. We are dedicated to providing our clients with great coverage at competitive rates.

Contact us right away to get started!

3 ways Santa Clarita business owners can benefit from umbrella insurance

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If you own a business in the greater Santa Clarita, CA area, QuoteBroker Insurance Services is the team to rely on for all of your commercial insurance needs. Adding an umbrella policy is an effective way to protect your company now and, in the future, contact our office to learn more. 

3 ways businesses benefit from umbrella insurance

There’s no reason for a successful business to not have an umbrella policy. Everyone should enjoy the protection that these policies provide for the companies that they cover. 

  1. Increased protection – when your primary policy is exhausted, the umbrella policy will become active and help to protect your firm from any losses that exceed the primary policy’s limits.
  2. Peace of mind – you can focus your attention on your core business knowing that your company has the protection it needs. 
  3. Ongoing success – one excessive lawsuit can be enough to wipe out the liability protection provided by your primary policy. With an umbrella policy in place, your firm can enjoy success now and well into the future.  

If you aren’t sure if you have an adequate amount of liability protection for your company, now is a good time to find out. Determining if your needs are currently met can help you ensure that your business is fully protected. Sit down with a local agent and find out today how you can efficiently and effectively protect your company with an additional liability protection policy. Umbrella insurance is a must-have for any thriving local business.  

Contact us today

QuoteBroker Insurance Services is here for the Santa Clarita, CA area business community. If you have questions about liability protection and how an umbrella policy can help to fill this need, contact our office today.

Looking for New Health Insurance? Financial Health Insurance Terms You Should Familiarize Yourself With

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If you are looking to purchase a new health insurance policy, the team at QuoteBroker Insurance Services, serving the greater Santa Clarita, CA area, can help you. One of the things that we strongly recommend is familiarizing yourself with financial terms that you may see on health insurance policies.

Knowing what these terms mean can make it easier for you to find the right policy for your needs:

Premium

Your premium is the amount you pay to carry health insurance. Some people pay this every month, while other people may pay the entire term of the policy, usually six or 12 months, up front. The premium is the cost simply to purchase your health insurance policy. 

Deductible

The deductible is the amount that you have to pay before your policy kicks in and starts paying for coverage. For example, if you have a $1,000 deductible, you will need to pay your first $1,000worth of medical bills before the insurance company pays for the rest of the costs. 

Co-Payment

Once you have met the terms of your deductible, you may have a co-payment. This is how much you will have to pay out of pocket for each doctor’s visit or for prescriptions. Co-pays are generally fairly low, usually ranging from around $20 to $50. 

Out-Of-Pocket Maximum

The final term you should know is the out-of-pocket maximum. This is how much you may have to pay out-of-pocket. Once you reach this amount, all of your medical expenses up to your maximum policy limit amount will be covered and you will no longer need to pay anything out of your own pockets. 

Get Health Insurance Today

When you are in the market for a new health insurance policy, look no further than QuoteBroker Insurance Services, serving the greater Santa Clarita, CA region. Our team can listen to what you want and need in a health insurance policy, and then get to work helping you to find the best policy for your needs. Reach out to us today to get started.      

Types of Business Insurance

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When you own a small business, you are probably watching every penny that you spend. You may try to save money, by doing with less. That being said, it can be a mistake to skimp on your business insurance. 

In order to make sure that you have enough insurance for your business, you need to know more about the types of business insurance. QuoteBroker Insurance Services in Santa Clarita, CA can help you navigate this important insurance coverage.

The most common type of insurance is called the Business Owner’s Policy:

It includes general liability, commercial property insurance, and business income insurance. 

  • General liability insurance protects you if someone is injured on your property. It will cover medical expenses and other fees. General liability also covers damage that may occur to someone’s property. 
  • Commercial property insurance covers your building where your business is. It will cover your office whether you rent or buy the building. It also covers the equipment that you have in it. 
  • Business income insurance protects you if you are unable to run your business due to property damage. It will help you pay your bills, even though you aren’t able to make any money. 

You may also want to look into professional liability insurance

This is also called errors and omissions (E&O) insurance because it will cover your legal fees if you have made a mistake in your business. 

If you have a vehicle that you use for your business, you will need commercial automobile insurance

This works like regular automobile insurance. 

In order to be fully protected, you may also want umbrella insurance

This simply picks up where your regular insurance stops. 

Give Us A Call

In order to make sure that your small business is protected, you need to contact us today at QuoteBroker Insurance Services in Santa Clarita, CA.

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