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Health Insurance Coverage Options in California

You can’t be at your very best if your health is failing you. Unfortunately, with the rising healthcare costs in America, financing your medical bills from your pocket can be taxing. As a result, at QuoteBroker Insurance Services, we advise our clients to invest in a sound health insurance plan to avoid running into a financial mess when diseases and injuries occur. 

Health Insurance Coverage Options in California

Like other insurance policies, health insurance isn’t one-size-fits-all coverage. There are several health insurance plans to answer different needs. These include:

  • Medicare: It’s an insurance plan for persons aged 65 and above. Also, certain younger persons with disabilities and patients with end-stage renal disease may be eligible for Medicare. Medicare is divided into parts A, B, C, and D. Your insurance agent should help you know the difference.
  • Medicaid: This insurance plan is for eligible low-income families, children, pregnant mothers, elderly persons, and people with disabilities.
  • Dental and vision health plans: Usually, your standard health insurance plan excludes dental and vision coverage. However, you can get separate policies to cover your dental and eye health.
  • Corporate health plans: Businesses don’t have to get an individual health insurance plan for every employee. There are corporate health plans designed for companies and organizations.
  • Individual health plan: You can purchase health insurance as an individual.
  • Group health plan: This health insurance plan targets groups like families.  

While health insurance isn’t mandatory in the US, it’s a worthwhile investment given that America’s health services are the most costly around the globe.

Protect your health today with health insurance in Santa Clarita, CA

Understanding health insurance in the US can be a nightmare. Thankfully, you don’t have to figure it out alone. If you are in Santa Clarita, CA, please get in touch with QuoteBroker Insurance Services, and we will help you choose a health insurance policy that suits your needs.

Buying Car Insurance in Santa Clarita, CA

Choosing the right car insurance is a vital decision. Buying a policy for your car, truck, or SUV in Santa Clarita, CA can be a challenge with the many options available. You want to ensure that you are getting the best coverage for your needs and following the law.

Car Insurance is a Requirement in California

All drivers in California are required to have car insurance. This includes liability insurance, which covers damages you may cause to others in an accident. When you go to register your vehicle, the DMV will require proof of insurance.

If you don’t have it, they will not register your car. You are also required to have uninsured motorist protection, which covers you if you are in an accident with someone who does not have insurance or if you are the victim of a hit-and-run driver.

What if You’re Caught Driving Without Insurance?

Driving any vehicle without insurance is a crime in California. If you’re caught, you’ll be fined and may have to pay a higher premium for future coverage. You may also have your license suspended. The best way to avoid these penalties is to make sure you have insurance before you drive.

Even if you’ve had a previous suspension or a not-so-stellar driving record, your QuoteBroker Insurance Services representative can help you get the best car insurance policy for your needs.

Advantages of Full Coverage Car Insurance

Most people in Santa Clarita, CA choose to buy full coverage car insurance. This type of policy covers you for damages to your car caused by an accident, theft, or vandalism. It also covers you if you cause an accident and someone is injured. If you have a loan on your vehicle, your lender will require full coverage.

Contact QuoteBroker Insurance Services for a quote today.

Common Commercial Insurance Exclusions

Commercial insurance is vital for any business venture in Santa Clarita, CA. It safeguards business entities against liabilities culminating in their daily activities like an injury at the workplace, property damage, and prevailing damage to reputation. Generally, commercial insurance covers mishaps and accidents which can transpire during ongoing business operations. Nonetheless, it’s also prudent to understand what commercial insurance excludes. With this in mind, QuoteBroker Insurance Services is here to share standard commercial insurance exclusions.

Liquor liability

When a given business entity engages in manufacturing, selling, and serving alcohol, it’s exempted from getting protection as there is no liquor liability. Therefore, a company must obtain a separate policy underwritten explicitly for the liquor risk.

Expected or intended damage

This risk is excluded when a given action is undertaken intentionally, and there is a high expectation of damage or injury from the activity. Commercial insurance won’t cushion you when you consciously engage in an action that is susceptible to a claim. For example, when you try to maneuver a forklift through a parking lot to load materials, you accidentally damage a motorcycle blocking your path.

Breach of contract

Your insurer is likely to dishonor any claim arising from a breach of contract. So, honor your contracts to avoid financial losses.


When a given company releases contaminants due to its operations, there will be no compensation against such a claim. This exclusion stands irrespective of whether the pollutants get emitted gradually or abruptly.

Flood damage

Flooding isn’t covered by typical commercial insurance. However, you can purchase stand-alone insurance from private carriers or the National Flood Insurance Program (NFIP).

Are you a business owner in Santa Clarita, CA searching for commercial insurance? Please get in touch with QuoteBroker Insurance Services. We will help you navigate commercial insurance by educating you on what it covers and excludes.

Does your company have the appropriate amount of worker’s comp protection?

QuoteBroker Insurance Services is here to help businesses in the greater Santa Clarita, CA area with all of their insurance needs. If you have questions about commercial insurance or issues with worker’s comp protection, give us a call today.

Make sure you have the appropriate worker’s comp insurance in place

When an employee gets injured on the job there will likely be some financial impact on your company. Even if you are not at fault, a worker’s comp case may determine that you must bear some of the financial impacts. In most cases, your insurance will kick in and you will have some protection from the financial implications.

Because every situation is different, it can be difficult to determine the exact level of coverage that you should have in place. This amount can be determined in a number of different ways. Because of the variability of the amount you will need, along with the importance of this protection, it is a decision worth a lot of consideration.

Meeting with an insurance agent who understands the complexities of commercial insurance is advisable. By turning to a professional, local agent, you will be able to discuss your unique needs. If you find out that your company does not have adequate protection and needs to increase the amount of worker’s comp insurance that your firm carries, they will be able to help. 

Finding the right policy with the appropriate levels of coverage is very important. 

Don’t overlook this important part of protecting your business

Having the right amount of worker’s comp protection is an important part of business insurance. QuoteBroker Insurance Services is here to help business owners in the greater Santa Clarita, CA community with all of their insurance needs. Call today!

Why umbrella insurance is so important

QuoteBroker Insurance Services is here for business owners in the greater Santa Clarita, CA area. We know how hard it is to start and maintain a successful business in our area. We want to help you protect your investment and hard work. If your business has grown in recent years, it may be time to add an umbrella insurance policy to your portfolio.

The importance of umbrella insurance 

Umbrella insurance is essential for business owners that carry a lot of liability or have a lot of assets that need protecting. With an umbrella insurance policy in place, you will still be protected if and when your primary commercial policy is exhausted.

The main benefit of an umbrella policy is the protection it provides from personal liability. There are too many ways that you could find yourself in a situation where your primary policy has reached its policy limits and you still have a need for insurance coverage.

When you have an umbrella policy in place, it will provide coverage above and beyond the policy limit levels and maximum coverage amounts of your primary policy. It is important to have this additional protection in place for your business.

In today’s litigious world, it could take one frivolous or disingenuous lawsuit to wipe out all of the hard work that you have put into building and maintaining a successful business venture. Let us put the necessary protection in place!

Let us help you protect your business!

Business owners in the greater Santa Clarita, CA metro area can rely on QuoteBroker Insurance Services for all of their insurance needs. If it’s time for you to learn more about umbrella insurance, give us a call today and set up a consultation. We look forward to working with you!

Why it may be time to adjust your homeowner’s policy

Are you a homeowner in the greater Santa Clarita, CA area? The team at QuoteBroker Insurance Services is here to help you ensure that your homeowner’s policy is up to date. If it’s been a while since you have taken a close look at your policy, give us a call today and set up a review.

Is it time to adjust your homeowner’s policy?

The main reason you will need to adjust your homeowner’s policy is if you do a major upgrade to your home. People who put an addition on their home or complete a kitchen or bathroom update will have different insurance needs at the completion of those projects. These are just a few obvious examples, but here are other triggers that can create the need for a policy adjustment.

Our homes are likely our greatest investments, and it’s important to protect them. As you build equity in your house, it becomes an even more significant part of your overall financial portfolio. Additionally, in most markets, your home will gain value as time goes by. Whether you have made any significant improvements to your house or not, it’s important that your policy keeps pace with the house’s intrinsic asset value.

Find out more about your homeowner policy options today!

QuoteBroker Insurance Services is here to serve the insurance needs of the residents of Santa Clarita, CA. We understand that insurance policy review is a task that can easily fall through the cracks. Call or stop by today and let us help you take care of this important step in protecting your family home!

Workers’ Compensation Insurance Options

If you are a business owner, workers’ compensation insurance can cover both you and your employees against losses outside of either of your control. It is mandatory to have this insurance in the state of California. We listed below what options there are within workers’ compensation insurance, and what workers and your company might need. 

Want to look into your current or new workers’ compensation cover, or want to receive more information on whether you need, or what you need? QuoteBroker Insurance Services in Santa Clarita, CA proudly offers quotes to businesses for workers’ compensation insurance. These can be customized to you and your business needs. 

What does workers’ compensation insurance cover?

Workers’ compensation insurance covers the loss of funds for your employee. By claiming on your insurance, this means you as an employer can cover these costs for them without having to pay this money out of your own pocket. 

Workers’ compensation insurance is usually something you as an employer would claim in the case of a workplace-related accident. Whether this was negligence or an accident, if the employee needs time off to recover from their injury or has medical costs to cover, this can usually come out of workers’ compensation insurance rather than from the employer or the company’s wallet. 

Not only does workers’ compensation insurance cover against time off for an employee or their medical costs, but it can also help you cover costs in case this employee sues you.

Are you ready to look into workers’ compensation insurance further? Pick up the phone and call QuoteBroker Insurance Services in Santa Clarita, CA. You can also request to compare quotes on our website.  

How Does Umbrella Insurance Work?

Umbrella insurance is a type that covers you against a number of adverse situations. It works alongside both your auto and home insurance policies to give you more protection. Without this coverage, you may someday find yourself trying to come up with large amounts of money, or you may even be sued. If you’re interested in umbrella insurance, give us a call right away at QuoteBroker Insurance Services in Santa Clarita, CA.

Umbrella and Auto Insurance

If you already have an auto insurance policy, umbrella insurance can make it even stronger. With your auto insurance, you have an amount of liability coverage in case you cause an accident and there are medical and property bills that are due. However, the state minimum amount for liability insurance that you have in your auto policy might not be enough for a serious accident. If you get an umbrella policy, this adds to your auto liability coverage so that you are far less likely to be sued and can pay for even very serious accidents. 

Umbrella and Home Insurance

Just as umbrella insurance gives you more auto liability coverage, it does the same for your home insurance policy. Home policies come with a small amount of liability coverage in case someone gets injured in your home. However, this amount is too small to pay for serious injuries. If you get an umbrella policy, it will add to your home liability coverage so that you can pay for even serious injuries without being sued by the injured person. 

Get Umbrella Coverage

If you have both a home and an auto policy, an umbrella policy can add liability coverage to both of them. To find out more about this type of coverage, call us at QuoteBroker Insurance Services in Santa Clarita, CA for more information. 

When is it Time to Update Your California Commercial Insurance Policy?

When you are running a business in California, you will have a number of worries on your mind on any given day. At the same time, you will be updating and upgrading your business on a regular basis in an effort to increase your revenue stream. When you are doing this, you’ll want to think about updating your California commercial insurance policy.

But when?

At QuoteBroker Insurance Services, we help Santa Clarita, CA business owners keep their commercial insurance policies up to date, and thorough. Here’s when you need to update yours.

Upgrades to Locations or Property

If you are making any updates at all to your space or building, you will need to make sure that those changes will be insured. Your existing commercial policy is covering a certain amount of space and buildings, and any changes will need to be covered as well.

When you are renovating, changing address, downsizing or upsizing in any way, or even adding a new computer system or network, you need insurance. 

You’ll need to update your commercial insurance policy when you update anything in your building or contents because you’ll want them covered. If you own the property, your insurance company may require it.

You Change the Plan of your Business

When you change the entire scope of your business, you’ll need to update your policy. Your California commercial insurance policy covers certain things. When those things change, you need to update the policy, or at least update your insurance broker.

If you are selling new products or doing something entirely different from what you started out with, you’ll need a new commercial insurance policy. Should you change management, add a board of directions, or alter the function of the business in any way, you should update your policy or purchase more insurance.

Get a Quote

When you are making changes to your business, you’ll need changes to your California commercial insurance. At QuoteBroker Insurance Services, we want Santa Clarita, CA business owners to feel secure with thorough commercial insurance policies. Call us for a quote to update your plans today.

Never Be Confused About Worker’s Compensation Again

Worker’s compensation insurance is a complex topic that we at QuoteBroker Insurance Services understand perfectly well. Our team can help your Santa Clarita, CA business understand the unique issues impacting this unique coverage option.

How Does Workers Compensation Insurance Work?

Worker’s compensation insurance is something that all employers must pay to provide a fund for injured or sick employees. To start, you must:

  • Set up an insurance policy based on state laws 
  • Pay into your insurance fund for each employee 
  • Draw out of that fund when they are injured 

This simple operation means that your worker’s compensation insurance is surprisingly affordable and easy to integrate into a variety of different insurance needs. But what kind of problems does it cover? Let’s look at a few of the most commonly covered issues to give you an idea.

What is Covered?

Your policy covers any harm caused to your employees due to their job duties. These injuries or sicknesses can vary according to the type of work they do, including:

  • Worker injuries caused by slips and falls in your job
  • Recovery from work-related car crashes 
  • Surgery for conditions caused by work 
  • Severe infections or illnesses due to chemicals or toxins 

In this way, high-quality worker’s compensation insurance will make sure that your employees are covered. Just remember – any injury or illness caused at work by their duties will be covered by insurance. And your payments are made directly out of your insurance fund. This means that you don’t have to pay extra money to keep your workers in good financial health.

Where Can I Buy a Policy?

If you think that worker’s compensation is critical for your business, please contact us at QuoteBroker Insurance Services right away to learn more. We serve the Santa Clarita, CA, area and strive to provide our customers with high-quality help.

Business Insurance

  • General Liability
  • Commercial Property
  • Workers Compensation
  • Group Health
  • Professional Liability (E&O)
  • Bonds
  • Commercial Auto
  • Business Owners Policies (BOP)


Partner Carriers

  • Aegis
  • Aetna
  • Aflac
  • AIG
  • American Modern
  • Amtrust
  • Anthem
  • Assurant
  • Berkshire
  • Blue Cross
  • Cigna
  • Foremost
  • Health Net
  • kemper
  • MetLife
  • Nationwide
  • Safeco
  • Travelers
  • USLI
  • Zurich