Commercial Insurance

As a business owner, you strive to make decisions that are right for your business, your employees and yourself. This includes decisions about business insurance.

You know you need excellent coverage. You do not, however, have time to become an expert in business insurance. That is where KOHR Financial & Insurance Services can help .

A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you can customize the policy to meet your individual business needs

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, KOHR Financial & Insurance Services can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today.

If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.

The rising costs of lawsuits and judgments are important for today’s business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. Contact KOHR Financial & Insurance Services today about a commercial umbrella insurance policy.

Protecting the businesses of California

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business.

Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment.

It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.

Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work.

Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

KOHR Financial & Insurance Services can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you’ll see on the bottom line.

Coverage for office workers using their own vehicles on company business is often needed, as well. If you have employees, it is critical that you consider this workers compensation coverage.

Whether you are a contractor looking for a complex bid bond or a business owner in need of a simple license and permit bond, KOHR Financial & Insurance Services is here to help.

We know that you cannot conduct business or win the job without the backing of a solid surety bond. That is why we only work with the most reputable and trustworthy surety providers.

KOHR Financial & Insurance Services partners with only the best sureties to give you outstanding products supported by value-added services to contractors and businesses.

Navigate the confusing world of health insurance with help from an independent agent. Serving Long Beach and all of California.

A healthy body is a happy body, and there’s no better way to preserve you and your family’s health than with a health insurance policy from KOHR Financial & Insurance Services.

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life.

KOHR Financial & Insurance Services can help you find an affordable healthcare plan that’s right for you. Call (562) 987-2727 and talk with one of our friendly agents today to learn more.

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