Business Coverage
With 70+ years of experience in the insurance industry, Stephen Chelbay Company recognizes each client’s unique needs. We’ll partner with you to develop a long-term strategy and provide ongoing support for you business coverage requirements.
General Liability

You can be vulnerable to lawsuits anytime you or one of your employees conducts business for any number of reasons, from bodily injury to property damage to the public. Lawsuits can be costly so it’s important to buy enough coverage to protect your assets and adequate enough to pay for defense and damages.

Business Automobile

If you’re a corporation, LLC, or sole proprietor and own vehicles for business use, you need coverage to help pay for sum you legally owe for damages due to bodily injury or property damage to the public. Your coverage will defend you in a lawsuit due to an incident.
Excess Liability (Umbrella)

Excess liability is an added layer of liability protection that will ride over the Primary Limit of your General LIability, Automobile Liability, and other coverages. Depending on the size of your organization, you will want to purchase a minimum of $1 million to $10 million for additional protection.

Cyber Liability / CCPA

If you’re collecting personal data on the Internet, you have a gateway for cyber attacks where hackers prey on vulnerabilities of businesses and organizations. Business liability insurance doesn’t cover such attacks, but you are legally responsible, even if a third party manages the data. Cyber liability insurance helps mitigate risk exposure by off setting costs for recovery.

California Consumer Privacy Act (CCPA) provides privacy rights and consumer protection for California residents. CCPA takes effect on Jan 1, 2020 and needs to be implemented by July 1, 2020. We can help your understand the requirements and create a roadmap to ensure compliance. This is especially important for small and mid-size companies that handle financial transactions such as retailers, credit unions, educational institutions, and healthcare providers.

Crime/Employee Theft
These policies protect your organization from direct loss of money, securities or property sustained from theft or forgery committed by an employee. Policies may extend to coverage for robbery or safe burglary, computer fraud, funds transfer and more. All businesses that have employees handling funds are at risk for a theft loss.
Workers Compensation
All companies with employees are required by state law to provide workers compensation. Some insurance companies have the ability to include your employees in other states, except those states that are monopolistic, and require you buy from their state owned company. The insurance applies to bodily injury by accident or bodily injury by disease, including injury resulting in death.
Buildings and Business Personal Properties
Protect your commercial property from unexpected expenses due to fire, loss of property, loss of income and extra expenses incurred at the time of loss. Whether the cause is a natural disaster, vandalism, lightening, or sprinkler leakage, we can help you understand your coverage options to ensure your business recovers quickly. Whether it’s property damage, theft, damaged inventory, or loss of income, our agents can guide you in the decision making process to ensure you’re protected.
Earthquake or Flood
We carry two lines of specialized coverage for commercial buildings. Earthquake policies typically have large deductibles of 10-15% of the building value. Flood insurance is normally provided through the Federal Flood Program.
Bonds
License & Permit Bonds, ERISA Bonds, Payment and Performance Bonds and many more that may be needed for your type of business.
Commercial Package or Businessowners
A comprehensive policy that combines Property and General Liability exposures in a convenient “package policy”. The Commercial Package is typically broader and provides coverage that may not be available under the Business owners.

Services

General Liability

You can be vulnerable to lawsuits anytime you or one of your employees conducts business for any number of reasons, from bodily injury to property damage to the public. Lawsuits can be costly so it’s important to buy enough coverage to protect your assets and adequate enough to pay for defense and damages.

Business Automobile

If you’re a corporation, LLC, or sole proprietor and own vehicles for business use, you need coverage to help pay for sum you legally owe for damages due to bodily injury or property damage to the public. Your coverage will defend you in a lawsuit due to an incident.

Excess Liability (Umbrella)

Excess liability is an added layer of liability protection that will ride over the Primary Limit of your General LIability, Automobile Liability, and other coverages. Depending on the size of your organization, you will want to purchase a minimum of $1 million to $10 million for additional protection.

Cyber Liability / CCPA

If you’re collecting personal data on the Internet, you have a gateway for cyber attacks where hackers prey on vulnerabilities of businesses and organizations. Business liability insurance doesn’t cover such attacks, but you are legally responsible, even if a third party manages the data. Cyber liability insurance helps mitigate risk exposure by off setting costs for recovery.

California Consumer Privacy Act (CCPA) provides privacy rights and consumer protection for California residents. CCPA takes effect on Jan 1, 2020 and needs to be implemented by July 1, 2020. We can help your understand the requirements and create a roadmap to ensure compliance. This is especially important for small and mid-size companies that handle financial transactions such as retailers, credit unions, educational institutions, and healthcare providers.

Crime/Employee Theft

These policies protect your organization from direct loss of money, securities or property sustained from theft or forgery committed by an employee. Policies may extend to coverage for robbery or safe burglary, computer fraud, funds transfer and more. All businesses that have employees handling funds are at risk for a theft loss.

Workers Compensation

All companies with employees are required by state law to provide workers compensation. Some insurance companies have the ability to include your employees in other states, except those states that are monopolistic, and require you buy from their state owned company. The insurance applies to bodily injury by accident or bodily injury by disease, including injury resulting in death.

Buildings and Business Personal Properties

Protect your commercial property from unexpected expenses due to fire, loss of property, loss of income and extra expenses incurred at the time of loss. Whether the cause is a natural disaster, vandalism, lightening, or sprinkler leakage, we can help you understand your coverage options to ensure your business recovers quickly. Whether it’s property damage, theft, damaged inventory, or loss of income, our agents can guide you in the decision making process to ensure you’re protected.

Earthquake or Flood

We carry two lines of specialized coverage for commercial buildings. Earthquake policies typically have large deductibles of 10-15% of the building value. Flood insurance is normally provided through the Federal Flood Program.

Bonds
License & Permit Bonds, ERISA Bonds, Payment and Performance Bonds and many more that may be needed for your type of business.
Commercial Package or Businessowners

A comprehensive policy that combines Property and General Liability exposures in a convenient “package policy”. The Commercial Package is typically broader and provides coverage that may not be available under the Business owners.

Request a quote.

Stephen Chelbay Co., has been providing insurance service for more than 35 years! Service is of the utmost importance to us and is evident by our long-standing relationship with our clients. We are a full service agency and provide for all lines of insurance.