Irvine, CA Business Insurance
Irvine, CA, with a population of over two hundred and fifty thousand residents, is considered a planned city, developed by the highly regarded Irvine Company in the 1960’s. Today, Irvine, California is considered one of the best cities in the country by several publications and home to several national and international companies in the technology and the semiconductor industry. Allergan, Blizzard Entertainment, Broadcom, Masimo, O’Neill, Standard Pacific Homes, and Vizio are just a few of the many companies that call Irvine, CA home.
Business is alive and thriving quite nicely in Irvine, witnessed by the over 35,000 companies located in Irvine, CA, and, as we know, new, exciting and innovative companies are being started by entrepreneurs each day. The experienced and professional brokers at PJO Insurance Brokerage can present a proper insurance program for your company’s needs, regardless if you company is involved in the technology field, a distributor or product manufacturer, the construction field, as a General Contractor or as an artisan/sub-contractor, retailing, website designer, professional consultant, health care field, app designer, communications field, entrepreneur-startup, or one of the numerous companies that operate in California.
If your Irvine, CA company is that of a Manufacturer or Manufacturer’s Rep or a Product Distributor in such diverse product segments as healthcare/medical products, industrial products, dietary products, snack products, food products, technology products, energy products, or one of the thousands of unique products that are marketed and sold around the world each day, it is very important for your company’s protection to have the proper California Product Liability Insurance Coverage, and, in certain instances, depending on exactly what the product is, you may want to consider adding additional layers of insurance protection with an Umbrella/Excess Liability Policy. Our brokers at PJO Insurance Brokerage have numerous “A” rated insurance carriers, and, in most instances, can help you create an insurance program that is designed to fit your company’s specific products’ needs.
If your Irvine company is in the construction industry, whether that would be as a General Contractor performing such tasks as remodels, or renovation projects, building new custom homes, commercial tenant-improvements or new builds, doing restoration projects, or performing tract work, or your company is that of an artisan contractor/sub-contractor such as a Concrete Contractor, Painting Contractor, Drywall Contractor, Masonry Contractor, Plumbing Contractor, Electrical Contractor, Framing Contractor, Carpenter, or Roofing Contractor, to mention a few of the many trades out there, regardless of whether you are doing residential or commercial, your company will want to work with an insurance agency with years of experience working with contractors and one that understands the insurance needs they face. This is why PJO Insurance Brokerage is the agency for your company’s insurance needs. We have access to numerous insurance carriers who deal with the construction industry regarding coverages such as General Liability Insurance, Workers’ Compensation Insurance, Pollution Liability, Umbrella Policies, and Inland Marine, to name just a few of the coverages that are available for the construction industry. As a contractor, you understand just how vital it is to have the proper insurance program in place in case of a lawsuit or a claim being filed against your company.
An area that has just exploded over the past decade or so is that of the Professional Services Industry, regardless of what area of expertise your company is involved in such as an Accountant, Architect, App Designer, Technology Field, Website Designer, Project Manager, Media Consultant, Management Consultant, or one of the numerous companies in Irvine, CA that provide a service for a fee, advice, expertise, or professional services, it is imperative that your company carry sufficient limits of Professional Liability Insurance Coverage in case the unthinkable happens, such as a lawsuit or claim filed against your company alleging an error or omission or a negligent act performed by your company that caused harm to the client. PJO Insurance Brokerage has access to “A” rated carriers and can find coverage for company’s professional insurance needs.
With so many prominent companies calling Irvine home and more being formed each day, chances are your company will have a Board of Directors, and if this is the case, we strongly urge your company provide protection for your board by acquiring a Directors & Officers Liability Insurance Policy, which will 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. A Professional D&O Liability Insurance Policy can be written for nonprofit companies, for-profit companies, and educational institutions.
Now, in this day and age, it’s almost impossible to find a company that doesn’t have a media presence like a LinkedIn Page, Facebook Page, Twitter Feed, Instagram Account, or a Company Blog, to name a few of the possibilities, and, as you are well aware, they are potential risks to your company. If your California company has a website where credit or debit card info is taken, or if your company collects vital customer information such as medical records, social security numbers, etc., then you need to look at adding a Cyber Liability Insurance Policy to your overall insurance program. Just consider how many reports hit every single day about another company being hacked and their information leaked.
Each day, someone in Irvine, CA is following their dream and starting a new business or exploring ways to make their current company bigger and more successful, and since no two companies are alike, each will require its own unique insurance program. This is where we believe PJO Insurance Brokerage in California can be a valuable asset to your company. Our brokers have the expertise and experience to work with you and service your company’s insurance needs. We would welcome the opportunity to work with your company in the near future.
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