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What commercial insurance is necessary in California

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Owning a business comes with plenty of risks. Every business has different risks; it is definitely not one size fits all kind of thing. You need to protect yourself from the risks and having an independent insurance agent who understands your particular type of business and can anticipate the type of risks you need to be protected from is important. At Rock Hard Insurance Agency in Fontana, CA, we provide a personal level of service.  We are there to help our customers no matter what they need help with. 

Commercial Auto insurance 

In the state of California, commercial auto insurance is required for all business-owned vehicles. The required coverage is 15/30/5. What this means is $15,000 for one person who is injured with the total for any accident of $30,000 with $5,000 allowed for damages to property.  This is very basic coverage, and it may not be anywhere near enough for a well-established business. 

Worker’s compensation insurance

Worker’s compensation is required in California if your business has even one employee. They can be part-time or full-time workers. This will pay for work-related injuries, illnesses, or lost time. This protects your employees but it also protects you. 

While these are the only required types of commercial insurance, they are not the only ones that really are necessary to protect your business.

Commercial property insurance will help you to recover from a covered peril. If your business is physically damaged, including your machinery, inventory, office equipment, or raw material you need help to rebuild. Commercial property insurance provides that help. 

Commercial liability is something any business can benefit from. Businesses are vulnerable to legal actions against them. Liability insurance offers the financial support you need to deal with legal actions against you. 

When you are ready to discuss your commercial insurance needs Rock Hard Insurance Agency in Fontana, CA will be here for you. 

What coverage does renters insurance offer

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California has a lower percentage of rentals than many other areas in California at 34 %. On average, only about 45% of renters carry renters insurance. That leaves a lot of people in a perilous place. Even in a nice area like Fontana, bad things happen, and without renters insurance, you risk losing all your possessions and potentially all your assets. At Rock Hard Insurance Agency in Fontana, CA, we are committed to providing our clients with exceptional service. We get to know our clients and their needs personally. 

You may believe your landlord is looking out for you and has insurance that protects you. Unless you have an exceptionally generous landlord, the only insurance they will have is for their building, and you are on your own for your possessions. Having your own renters insurance offers you a variety of protection. 

Possessions

Everything you own may be located in your rental. This includes your clothes, your electronics, your furniture, and other items you own. Losing them to something like a fire would be devastating. Rental insurance will cover things like your laptop or tablet even if you are not at home. Theft is one of the types of coverage renters insurance provides. However, keep in mind policies have a deductible. 

Liability coverage

Unless you are a hermit, chances are you will have friends visiting you at your rental. If someone is injured while visiting and needs to visit the doctor or emergency room, you could be liable for those medical expenses, and friends have been known to sue other friends. Liability coverage will help you in the event this happens to you.

Loss of use

Being without a place to stay is no fun. With renters insurance, you will have help paying for a place to stay while your rental is being repaired after a covered hazard. 

Contact Rock Hard Insurance Agency in Fontana, CA with any questions you have about renters insurance. 

4 Areas Covered By RV Insurance

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Owning an RV is a lot of investment. In fact, it can be as expensive as owning a house. That said, you need to protect your motorhome or camper with proper RV insurance. When you are budgeting for financing cost and maintenance cost for your RV, you must factor in insurance.

Having the right RV insurance coverage will help protect you and your RV. At Rock Hard Insurance Agency in Fontana, CA, our job is to make sure you are adequately covered. Here are the coverages you will get when you purchase RV insurance coverage from us.

Areas covered by RV insurance

While RV insurance protects you from various perils, below are the common areas covered by RV insurance.

  • Liability coverage: Liability coverage is the most important RV insurance policy. Most states require you have at least liability coverage as the minimum insurance for an RV. It covers you for any cost of damage and bodily injuries that you are at fault. However, liability coverage does not cover any damage to your vehicle.
  • Medical payments: This coverage pays for medical bills if you or your passengers are involved in an accident, regardless of who is at fault.
  • Physical asset protection: Comprehensive coverage protects your RV from non-collision perils like fire, vandalism, falling objects, theft, and so forth. Collision coverage covers accident-related damages to your RV. Your personal belongings are also protected if you opt for property protection coverage.
  • Underinsured and uninsured motorist coverage: If your RV is in an accident with someone with insufficient insurance cover or with no insurance at all, this coverage covers any property damage, lost wages, or even injuries.

RV insurance in California

With RV insurance, you can rest assured your investment is safeguarded. Even if it’s not a requirement in your state, having your RV protected is always a good idea. Are you looking for RV insurance? Look no further than Rock Hard Insurance Agency. Call or visit our office in Fontana, CA today.

Who needs a California motorhome insurance plan?

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The Fontana, CA area is near many recreational parks and activities that anyone can enjoy. Those in this area of the state may also want to explore the natural beauty that the rest of the state and country offers. If you dream of seeing the country, owning a motorhome is a great way to do it as you will have a safe vehicle and a place to sleep at night. There are plenty of situations when people will need to get motorhome insurance if they invest in one.

Those that Want to Comply with Agreements Need Coverage

A situation when you want to have motorhome insurance is when you want to comply with all of your agreements and obligations. Motorhome owners here will need to have a full motorhome insurance plan if they have taken out a loan to buy the asset. Further, if you want to operate any California vehicle, you need to maintain the state minimum requirement for liability insurance. 

Those that Want Protection

People that are motorhome owners will want to ensure that they and their asset is properly covered. If you get a full motorhome insurance plan, you will have the needed protection to repair or replace your motorhome following certain situations. Further, it will give you liability protection that will be helpful if you are found liable for damages in an accident.

A Fontana, CA area motorhome owner needs to get a motorhome insurance plan. If you are looking for motorhome insurance here, you should call the Rock Hard Insurance Agency. The Rock Hard Insurance Agency team will offer you the guidance needed to choose a plan that works for you. 

Why should I get motorcycle insurance in Fontana?

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In the Fontana, CA area, owning a motorcycle can be a great option. If you are a motorcycle owner in this area of the state, it will give you an efficient way to get around town while also allowing you to enjoy the nice weather and scenery. If you are going to purchase a motorcycle here, you also need the right insurance for it. There are a few reasons why you should get a motorcycle insurance plan when you are here.

Insurance is Required to Drive

People need to get a motorcycle plan here because it is a requirement for you to be able to drive. Similar to when you use any other type of vehicle, a motorcycle operator needs to carry liability insurance at all times. Those who do not carry motorcycle insurance could find themselves in trouble with the law and may need to pay a fine or even lose their right to drive.

Insurance Protects Asset

You will also want to get a motorcycle insurance plan because it can protect your asset. Anyone going to buy a motorcycle will be making a big purchase that they will want to have covered for years to come. With a full motorcycle insurance plan, you will get the protection needed to repair or replace your motorcycle. 

When shopping for a new motorcycle insurance plan in the Fontana, CA area, it would be a good idea for you to call the Rock Hard Insurance Agency. If you do work with the Rock Hard Insurance Agency, you can learn a lot about how this insurance can protect you. The team will then help you build a plan that provides the ideal coverage for your situation. 

An Introduction to Boat Insurance

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Your boat needs insurance just like your car does. While your homeowner’s policy provides a little protection for your boat, it does not cover everything that could happen to it.

While you enjoy the waterways of California, Rock Hard Insurance Agency, serving Fontana, CA, wants you to understand how boat insurance protects your watercraft investment and why you need a policy.

Boat insurance provides property damage protection.

Your boat could sustain damage on or off the water, and boat insurance protects it in every situation – while on the water, in transit, in dry-dock, or the marina.

The same policy also provides liability coverage, which pays for the medical bills of any individuals who sustain an injury due to negligence or fault. It also pays for any court settlement arising out of an accident. It also pays for the medical bills of an individual who incurs injury while operating the boat.

Like an auto policy, a boat policy contains four main components – liability, collision, comprehensive, and property damage insurance. The collision policy provides coverage for accidents on the road or the water.

Most states do not require you to insure your boat with boat insurance. Home insurance policies provide a tiny amount of liability coverage. Typically, the liability coverage equals ten to twenty percent of the home value. If your home value is $150,000 and your home policy provides ten percent coverage, you have $15,000 of liability coverage. The average hospital stay costs $15,000. For added liability coverage alone, the boat policy is worth it.

The boat policy also provides significant property damage coverage. The average boat policy uses an agreed-upon value or a depreciated value. You need to discuss the two options with your insurance agent and determine which method works better for your financial situation.

Contact Rock Hard Insurance Agency, serving Fontana, CA, to learn more about how boat insurance protects you, your boat, and your other watercraft. Call us today to start protecting your finances.

What auto insurance add-ons should I consider?

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Auto insurance is not one size fits all. It is customizable to fit you and your auto insurance needs. You can choose a basic policy if you have little or no assets. If you have an older vehicle with little value, you may only need the required insurance. If you have a new vehicle or an auto loan, collision and comprehensive insurance may be necessary. Beyond these components, some add-ons can make your auto insurance a perfect fit for your lifestyle. At Rock Hard Insurance Agency in Fontana, CA, we know the right questions to ask to make sure that we give you the right coverage. 

Gap insurance

If you have a bad accident, your vehicle may be declared a total loss. Your insurance will come up with a figure that they believe to be the value of your vehicle. Unfortunately, this may be less than you owe on your vehicle. With gap insurance, you will get the difference between the amount you owe and the amount the insurance will pay you. This coverage is only for the original loan owner. If your car is a year or less old, you may want to consider New Car Replacement insurance. Your auto insurance alone will not get back the money you put down on your car or your trade-in. It would be best if you had this to replace your car. 

Roadside assistance

Breaking down is a bummer. Being able to call for help and not pay a fortune is something everyone can benefit from. You might have another type of roadside service, but generally speaking, the one offered through your auto insurance company may be a better buy. It is worth checking out and making a price comparison. 

Contact Rock Hard Insurance Agency in Fontana, CA to get the information you need about auto insurance add-ons.

3 reasons to purchase professional liability coverage

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Whether you are a freelancer or an executive employee in a company in Fontana, CA, owning professional liability coverage is an essential step in safeguarding your career. We live in an extremely litigious society where you can be sued for various reasons. Additionally, some companies do not hire professionals without professional liability insurance. That is why owning this policy can be as essential as the contract itself. Other reasons why you may need professional liability insurance include:

 No one is perfect; we all make mistakes.

The most important reason you need professional liability coverage is to protect yourself from unavoidable lawsuits resulting from some mistakes in your work. While most errors and mistakes are unintentional, they may get you into trouble, especially when dealing with a vast number of customers. Professional liability insurance helps protect your career from such situations and pay your legal fees if you are sued.

Professional liability insurance protects your assets.

A mistake or a lawsuit can be exhausting, time-consuming, and can shake or bring your business down. This can affect your ability to earn income like before as you attend court to defend yourself. Professional liability insurance protects your assets and what matters to you most, so you have peace of mind while working.

You sound more professional with professional liability insurance.

The best thing about having professional liability coverage is that it gives your business or professional the voice it deserves and sells you out there. Many companies prefer to work with insured professionals to safeguard their investments. Remember, your professional reputation is much more important for your work, and mistakes and errors don’t need to get to the court. Your coverage can help cover these settlements.

Need some more information about professional liability insurance in Fontana, CA?  Rock Hard Insurance Agency is ready to help. Our team of professionals can assess your career needs, risk profile, and other needs and ensure that you get the quality of coverage you need. Try us today!

The Essentials of Homeowners’ Insurance

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The Essentials of Homeowners’ Insurance

Some of the details of buying a home can temper your excitement, like dealing with home appraisals, escrow, and pre-move in repairs. Your homeowners’ insurance should not be one of the excruciating details. At Rock Hard Insurance Agency in Fontana, CA, we want you to understand what a standard policy gets you and which policy areas you can increase coverage.

A standard policy covers four home components – property damage, other structures, living expenses, and liability. The property damage component pays for damage from a named peril to the interior or the exterior of the home. This portion of the policy also pays for damage to personal property.

The other structures policy protections extend to the structures on the property not connected to the home. This includes items like detached garages, fences, sheds, and workshops. If these structures incur property damage due to a named peril or their contents, the policy covers their repair or replacement.

The living expenses component covers the cost of living in a hotel or apartment while damage to the home gets repaired. It often also covers per diem for meals.

The liability coverage pays for court costs and settlements if someone gets injured on your property. This usually equals about ten percent of your home’s worth. That means, for a home valued at $200,000, you get about $20,000 of liability coverage. If that does not sound like enough coverage, then you can add to it. It pays for medical costs and court settlements plus attorney fees. 

Contact Rock Hard Insurance Agency in Fontana, CA for more information on home insurance. We can help you protect your home investment.

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