As a full-service agency, Stuttgart Insurance Solutions provides businesses throughout California with a portfolio of insurance products tailored to your specific operation and exposures to cover your property, assets, employees, and customers. Here’s a brief rundown on how we will protect your business.
Safeguarding your assets is critical to the successful operation of your business. Liability risks abound from many different sources: customer and vendor slips and falls on your premises; unclear contractual obligations; liquor liability and food contamination for the food, retail, and hospitality industries; and product defects if you manufacture, distribute, or sell goods. Stuttgart will craft a General Liability with limits and coverage features that address your risks.
In this litigious environment, we will also review the need for Umbrella/Excess Liability to help cover the cost of catastrophic liability losses.
At Stuttgart, we look at each business, the operation, and its risk profile to design a Commercial Property policy that meets your needs. This includes assessing your property risks, which means not only properly insuring your building and business personal property in the event of a fire, theft, or other hazard, but also looking at what would happen if your operation were forced to close for repairs for a period of time due to a covered loss.
We will also look at your exposure if you need to rebuild after a covered loss and are required to meet current local building codes. Our staff will examine your risk if your equipment breaks down – critical for most businesses. We will review your property valuations to make sure you are properly insured.
Whether you have one company car or a fleet of vehicles, we will provide you with Commercial Auto insurance to protect your operation in the event of an accident. We’ll put together a policy that includes Bodily Injury Liability & Property Damage Liability, Medical Payments Uninsured and Underinsured Motorists, Comprehensive & Collision (Physical Damage), Hired & Non-Owned Auto (if you or your employees lease or use your vehicles for business purposes), Roadside Assistance, and Rental Reimbursement.
Mandatory in California, Workers’ Compensation insurance protects you and your employees. We’ll assist you in getting the coverage you need should your employees become injured or ill on the job. Together with our insurance company partners, we can assist you in establishing an accident investigation program, improving your safety training programs, and more to help reduce on-the-job accidents and injuries and get employees back to work as soon as possible.
In addition to the coverages that make up the foundation of a business’s insurance and risk management program, we can also provide you with the following policies, depending on your operation and exposures:
Stuttgart also provides Surety Bonds for our business clients.