Brea, CA Business Insurance

Obtaining The Proper Insurance Coverage For Your Brea Business

In 1970, Brea, California had only about eighteen thousand residents, and, today, over forty thousand residents call Brea home. In fact, one of the first two Carl’s Jr. restaurants was opened in Brea, CA in 1956. In the late 1990’s, a huge area of downtown Brea, which was centered around Brea Boulevard and Birch Street, was carefully redeveloped into a lively entertainment and shopping mecca, complete with movie theaters, sidewalk cafes, numerous shops and restaurants, and a weekly farmer’s market. To the locals, it is known and signed as Downtown Brea. This beautiful city is now home to over six-thousand businesses, and each day, new and exciting new ventures are being formed. Regardless of whether your business is engaged in the areas of construction as a General Contractor or as an artisan/sub-contractor, the technology field, professional consultant, communications field, website designer, app development, product manufacturer or distributor, entrepreneur-startup, health care field, retailer, e-commerce, or one of the many businesses that operate in California, the professional and experienced brokers at PJO Insurance Brokerage can help you find the proper insurance program for your company’s particular needs.

Does your CA business involve construction as a General Contractor performing projects such as new custom home construction, renovation or remodel projects, commercial tenant-improvements or new builds, doing restoration projects, doing tract work, or is your business operating as a sub-contractor/artisan contractor such as an Electrical Contractor, Painting Contractor, Drywall Contractor, Plumbing Contractor, Concrete Contractor, Carpenter, Framing Contractor, Masonry Contractor, or Roofing Contractor among the many of the artisan trades that are out there? Whether your company is doing residential work, commercial work, or both, it would be beneficial to your company to work with insurance brokers who have years of experience working with contractors, understanding what their insurance needs will be, and that agency that could be beneficial to your company is PJO Insurance Brokerage. Our agency deals with numerous insurance carriers who handle the construction industry providing such coverages as General Liability Insurance, Workers’ Compensation Insurance, Pollution Liability, Umbrella/Excess Liability Policies, Property, and Inland Marine, to name just a few of the coverages that are available for the construction industry. As an experienced contractor, you know how important it is to have the proper insurance coverage in place in the event that a claim or lawsuit were to be filed against your company.

Business Insurance

• Assisted Living Insurance
• Child Care / Day Care Insurance
• Commercial General Liability Insurance
• Commercial Umbrella Insurance
• Contractors, All License Classes
• Craft Breweries & Brew Pubs
• Directors and Officers Insurance
• Employment Practices Liability Insurance
• Errors & Omissions Insurance
• Product Liability Insurance
• Professional Liability Insurance
• Property/Inland Marine Coverage
• Restaurants/Bars/Night Clubs Insurance
• Roofers Insurance Protection
• Start-Up Business Insurance

Over the past ten years or so, one particular area that has seen impressive growth is the Professional Services Industry, whether as an App Designer, Architect, Project Manager, Management Consultant, Accountant, Website Designer, Technology Field, Media Consultant, one of the many companies in Brea, CA that provide services for a fee, advice, expertise, or professional services, it is important that your company carry sufficient limits of Professional Liability Insurance Coverage in addition to OC General Liability Insurance in the event that the unforeseen incident happens, such as a claim or a lawsuit filed against your company alleging an error or omission or a negligent act performed by your company which caused harm to the client. PJO Insurance Brokerage has access to “A” rated carriers and can help you find insurance coverage for your company’s professional insurance coverage needs.

If your California company has a Board of Directors, it would be extremely prudent to protect your Board by acquiring Directors & Officers Liability Insurance which can provide insurance coverage in the event there is a claim against your Board of Directors for any alleged or actual act, breach of duty, misleading statement given, or omission by your company’s Board of Directors and Officers. This type of Professional Liability Insurance Coverage can be obtained by for-profit companies, nonprofit companies, and educational institutions.

CA Insurance Coverage for Local Companies

• Buena Park Business Insurance
• Anaheim Business Insurance
• Mission Viejo Business Insurance
• Irvine Business Insurance
• Brea Business Insurance
• Lake Forest Business Insurance
• Garden Grove Business Insurance
• Newport Beach Business Insurance
• Fullerton Business Insurance
• Laguna Niguel Business Insurance

Another growing area is that of a Product Distributor, Manufacturer or Manufacturer’s Rep in Brea, CA, including those various product segments as technology products, industrial products, snack products, food products, dietary products, healthcare/medical products, energy products, or one of the thousands of diverse products that are marketed and sold worldwide every day, and having Product Liability Insurance Coverage is a necessity, and, depending on what associated risks there may be with your individual product, it would be wise to add additional layers of insurance protection with an Umbrella or Excess Liability Policy. At PJO Insurance Brokerage, we have access to many “A” rated insurance carriers, and in most instances, can create an insurance program that is designed to fit your company’s specific products’ needs.

These days, almost every company out there will have some sort of media presence, such as a Facebook Page, Instagram Account, LinkedIn Page, Twitter Account, or a Company Blog, to name a few of the possibilities, which, as you well know, can pose a potential risk to your company. If your Brea company has a website where debit or credit card info is taken, or if your company collects vital customer information such as social security numbers, medical records etc., then you need to seriously consider adding a Cyber Liability Insurance Policy to your overall insurance program. Think about all the incidents that are reported every single day about another company being hacked and their confidential information leaked.

No matter what day it is, someone in Brea, California is following their dream and starting a new venture or exploring ways to make their current company bigger and more successful, and since no two businesses are the same, each will require their own unique insurance program. This is where we believe PJO Insurance Brokerage can be of assistance to your company. Our brokers have the expertise and experience to handle your company’s insurance needs. We would welcome the opportunity to work with your company in the near future.