| 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. 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 hold non-resident licenses for the states of Hawaii, Nevada, and Arizona. |
| 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 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 Subsidence of Land or Difference In Conditions (DIC) coverage should also be purchased- especially if your business is located in an area prone to natural disasters. This type of insurance protects your business from losses due to earthquake or flood. |
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 and Retail Stock
Money and securities
Records of accounts receivable
Improvements and betterments you made to the premises (Tenants Improvements)
Machinery and Manufacturing Equipment
Boilers
Data processing equipment and media (including computers)
Valuable papers, books and documents
Mobile property such as automobiles, trucks and construction equipment
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 and Retail Stock
Money and securities
Records of accounts receivable
Improvements and betterments you made to the premises (Tenants Improvements)
Machinery and Manufacturing Equipment
Boilers
Data processing equipment and media (including computers)
Valuable papers, books and documents
Mobile property such as automobiles, trucks and construction equipment
Signs, fences, and other outdoor property not attached to a building
Intangible property (good will, trademarks, etc.)
Leased equipment
Understanding Liability Insurance
Your state's laws do not require you to carry liability insurance, but doing so is unmistakably
a good idea.
Different Types of General liability insurance can cover:
Premises and operations
Products and operations
Injury to customers
Vehicle accidents
Professional liability insurance
In general, a Comprehensive General liability policy will not protect
you against claims arising from:
Contract nonperformance
Wrongful employee termination
Sexual harassment
Other employee-related lawsuits
Contract nonperformance can result when any professional service firm fails to live up to its
contractual duties, or errs in its obligations. This type of insurance coverage 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. Companies that perform professional services for others can make mistakes,
mis-state facts, not communicate clearly and be misunderstood, or simply forget to do
perform a duty as expected. 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.
For areas relating to employee procedures and misjudgements, you can sometimes purchase
another type 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.
For more Information on Professional Liability Insurance Click Here
Looking for Information on Media Liability Insurance? Click Here
Your state's laws do not require you to carry liability insurance, but doing so is unmistakably
a good idea.
Different Types of General liability insurance can cover:
Premises and operations
Products and operations
Injury to customers
Vehicle accidents
Professional liability insurance
In general, a Comprehensive General liability policy will not protect
you against claims arising from:
Contract nonperformance
Wrongful employee termination
Sexual harassment
Other employee-related lawsuits
Contract nonperformance can result when any professional service firm fails to live up to its
contractual duties, or errs in its obligations. This type of insurance coverage 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. Companies that perform professional services for others can make mistakes,
mis-state facts, not communicate clearly and be misunderstood, or simply forget to do
perform a duty as expected. 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.
For areas relating to employee procedures and misjudgements, you can sometimes purchase
another type 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.
For more Information on Professional Liability Insurance Click Here
Looking for Information on Media Liability Insurance? Click Here
| Understanding Business Property Insurance and Your Insurance Needs |
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Builders Risk Coverage
This type of Insurance covers buildings in the course of construction. Depending on the
policy, this coverage can be for either the building's value at the time of loss or its full value at
the time of completion. It covers the contractor’s interest in materials at the job site before
they are installed, while they are in transit, and the value of the property under construction.
It may also provide coverage for losses due to ordinance or laws.
For more information on Builders Risk Click here
This type of Insurance covers buildings in the course of construction. Depending on the
policy, this coverage can be for either the building's value at the time of loss or its full value at
the time of completion. It covers the contractor’s interest in materials at the job site before
they are installed, while they are in transit, and the value of the property under construction.
It may also provide coverage for losses due to ordinance or laws.
For more information on Builders Risk Click here
Questions on Workers Compensation? Click Here