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Patrick O’Neill | patrick@pjobrokerage.com

949-236-0971

Insuring San Diego, Los Angeles, San Francisco and All of California

With the advances that the Internet has made, it has never been easier to manufacture a new product and bring it to market with the potential of reaching millions of users in the simple click of a mouse. There have been more new products brought to market in the past five years than there have been in the previous twenty years. When we look in the complex business world in which we live in today, the simple procedure of producing and/or selling a product has become cause for concern, and, possibly, a product liability exposure.

Some products that pose very little potential to cause harm or damage have a lower premium, and there are others that have a higher propensity to be risky, and, therefore, will command a much higher premium to compensate for the risk.

PJO Insurance Brokerage

Founded in 2003, PJO Insurance Brokerage was founded with the intention of catering to our customers’ insurance needs and providing them with unmatched customer service. We aim to give them the appropriate coverage for all of their business insurance needs.

Patrick o’neill

California business insurance broker, Patrick O’Neill offers top-rated business insurance to help his clients meet the insurance needs and requirements of their business. With over 50 years of combined experience, Mr. O’Neill offers a level of expertise that is unmatched by any other.

California’s Product LIability Insurer

This is where it is prudent business sense to have a Product Liability Insurance Policy in place as well as your California General Liability coverage before you actually distribute or sell your product directly or through a retailer or wholesaler. In most instances, it will not be what role your company will play in the product’s life, whether it be of a manufacturer, distributor, or wholesaler, the vast majority of companies that you will conduct business with, either a wholesale or retail operation, will, most likely, require products liability insurance on the items you are selling to them, and that is regardless of whether you have developed the product on your own or you are a sales rep for another company.

Type of Business Insurance
in California

The great advantage the PJO Insurance Brokerage has is that we are an independent insurance agency, which means better selections since our agency is not tied to any one insurance carrier, thus our agency has access to a high number of insurance carriers, which gives our clients an edge in securing the proper insurance coverage for their Orange County, CA company. This way instead of having just one insurance company to choose for their California Insurance needs, they now will numerous carriers and insurance plans to choose from.

Providing Insurance For Businesses In California

Specialized Insurance Plans That Fits Your Business Needs

Protection Against Alleged Negligence, Dishonesty, Errors or Omissions

Learn How An Umbrella Liability Policy Can Benefit your Company

A Cyber Liability Policy May Be Necessary For Your Company

Protection For Accountants, Architects, Attorneys, Brokers, Consulting and More

Business Insurance Agency In California

We stress to our clients that even if your business did all it could to take every reasonable precaution, unfortunately, situations do arise which could harm a customer, and your business could be held liable, hence the need for a Product Liability Insurance policy. In securing a Product Liability Insurance Policy, the insurance carrier has a duty to defend you in the event of a claim, cover the costs to investigate the claim, and pay out any settlement or judgment that be made against your company up to the limits of the policy.

In reviewing what a Product Liability Policy would cost, the premiums usually are based upon the type of product you are either selling or producing, the volume of sales, and what is the role that you will play in the process. There really isn’t a standard rate table for these types of policies because they are based on the specific type of product you manufacture, retail, distribute, or market.

Chino

Pomona

Ontario

Upland

Fontana

San Bernadino

Get The Best California Business Coverage

Northern California

In Northern California our brokers have serviced insurance policies for commercial clients in the San Jose, San Francisco, Fresno, Sacramento, Oakland, and Stockton areas.

Southern California

The manufacturing industry in Southern California is expanding quickly and we are insuring businesses in Los Angeles, San Doego, Long Beach, Bakersfield, Anaheim and more.

LOCATE US

107 Via Estrada A
Laguna Woods, CA 92637

patrick@pjobrokerage.com

Monday – Friday: 9:00 am – 5:00 pm
Saturday: 9:00 am – 12:00 pm

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949-236-0971

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