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| Welcome to the D.A.R.B. Insurance Services, Inc. home on the internet. We are a family owned and operated business providing superior service to the community since 1980. Within our website you will discover information in regards to our company, it's founders and principals, as well as the many specialized services we offer as a Commercial Lines Insurance Broker/Agent. Please make sure to visit the "contact us" page to inquire about how we can assist you with your needs personally! California State License No. 0595071 We also have a non-resident license for the state of Hawaii. |
| D.A.R.B. Insurance Services, Inc. |
| 805.527.0645 |
| 805.527.0961 |
| Affordable Friendly Service for a Lifetime of Knowledgeable Protection! |
The best way to assess your needs is by taking a complete inventory of all
your business property while determining it's total value. After so doing,
you may then decide whether or not it is worth insuring. Check to see that
the items on the inventory list are included in the basic business property
policy and if they are covered for the correct amount. It's important to
find out what your policy does and does not cover, and its limits and
exclusions, before you have an accident.
The following are common additional coverages for business property (although this
list is by no means all-inclusive). You may click on each heading below for a more
detailed description:
Boiler and Machinery Insurance
Builders Risk Coverage
Building Ordinance Coverage
Business Interruption Insurance
Commercial Crime Coverages
Debris Removal Coverage
Fidelity Bonds
Glass Coverage
Inland Marine Insurance
Loss of Lease Income or Value
What types of property do I need to insure?
Your business may not possess all of the following types of property, but
you can use this checklist below to ensure that you have considered all of
the recommended property categories:
Buildings and other structures (owned or leased)
Furniture, equipment and supplies
Inventory
Money and securities
Records of accounts receivable
Improvements and betterments you made to the premises
Machinery
Boilers
Data processing equipment and media (including computers)
Valuable papers, books and documents
Mobile property such as automobiles, trucks and construction equipment
Satellite dishes
Signs, fences, and other outdoor property not attached to a building
Intangible property (good will, trademarks, etc.)
Leased equipment
Your business may not possess all of the following types of property, but
you can use this checklist below to ensure that you have considered all of
the recommended property categories:
Buildings and other structures (owned or leased)
Furniture, equipment and supplies
Inventory
Money and securities
Records of accounts receivable
Improvements and betterments you made to the premises
Machinery
Boilers
Data processing equipment and media (including computers)
Valuable papers, books and documents
Mobile property such as automobiles, trucks and construction equipment
Satellite dishes
Signs, fences, and other outdoor property not attached to a building
Intangible property (good will, trademarks, etc.)
Leased equipment
Understanding Liability Insurance
Business liability insurance is necessary to protect you and your company
against losses your employees and/or machinery may cause. Even if your
state's laws do not require you to carry liability insurance, doing so is
unmistakably a good idea.
Business liability insurance covers:
Premises and operations
Leasing mishaps
Contracts
Products and operations
Injury to customers
Vehicle accidents
Professional malpractice
Professional liability insurance
This type of insurance is sometimes referred to as errors and omissions insurance. It protects
you against professional misjudgments that cause damage to others, and is typically not
included in a basic liability policy. An example of this type of policy would be insurance to
cover surgery in which the doctor used the wrong procedure or otherwise made a mistake,
causing harm to the patient.
Looking for Information Media Liability Insurance? Click Here
Liability insurance is usually purchased according to the limits of liability, or the maximum
amount the policy will pay on a single incident. Limits of liability are sometimes divided into
bodily injury and property damage, and should cover the costs of defending yourself in court.
In general, a basic liability policy will not protect
you against claims from:
Contract nonperformance
Wrongful employee termination
Sexual harassment
Other employee-related lawsuits
You can sometimes purchase separate insurance policy called Employment Practices
Liability Insurance, or EPLI, to cover these types of claims.
Employment Practices Liability insurance cases against employers are on the rise. It is
currently estimated that three out of five companies will be sued by an employee or a
prospective employee. Firms are finding that they are vulnerable from the initial screening
process all the way through to the exit interview. Every employer faces the reality that it will
be the target of legal action from past, present and prospective employees at some point.
Even if the claim is groundless or fraudulent, the defense of a suit can be expensive in both
time and resources.
Director's and Officer's Liability
Directors & Officers Liability Insurance provides coverage for the directors and officers of
your company in the event that they are sued in conjunction with the performance of their
duties as related to the company. This type of insurance should be carried by both
corporations and non-profit entities.
Business liability insurance is necessary to protect you and your company
against losses your employees and/or machinery may cause. Even if your
state's laws do not require you to carry liability insurance, doing so is
unmistakably a good idea.
Business liability insurance covers:
Premises and operations
Leasing mishaps
Contracts
Products and operations
Injury to customers
Vehicle accidents
Professional malpractice
Professional liability insurance
This type of insurance is sometimes referred to as errors and omissions insurance. It protects
you against professional misjudgments that cause damage to others, and is typically not
included in a basic liability policy. An example of this type of policy would be insurance to
cover surgery in which the doctor used the wrong procedure or otherwise made a mistake,
causing harm to the patient.
Looking for Information Media Liability Insurance? Click Here
Liability insurance is usually purchased according to the limits of liability, or the maximum
amount the policy will pay on a single incident. Limits of liability are sometimes divided into
bodily injury and property damage, and should cover the costs of defending yourself in court.
In general, a basic liability policy will not protect
you against claims from:
Contract nonperformance
Wrongful employee termination
Sexual harassment
Other employee-related lawsuits
You can sometimes purchase separate insurance policy called Employment Practices
Liability Insurance, or EPLI, to cover these types of claims.
Employment Practices Liability insurance cases against employers are on the rise. It is
currently estimated that three out of five companies will be sued by an employee or a
prospective employee. Firms are finding that they are vulnerable from the initial screening
process all the way through to the exit interview. Every employer faces the reality that it will
be the target of legal action from past, present and prospective employees at some point.
Even if the claim is groundless or fraudulent, the defense of a suit can be expensive in both
time and resources.
Director's and Officer's Liability
Directors & Officers Liability Insurance provides coverage for the directors and officers of
your company in the event that they are sued in conjunction with the performance of their
duties as related to the company. This type of insurance should be carried by both
corporations and non-profit entities.
| Understanding Business Property Insurance and Your Insurance Needs |
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