Business General Liability Insurance – Long Beach

Every business benefits from adequate Commercial General Liability coverage. CGL insurance protects you if a customer is injured at your place of business. It would also cover damage or injuries caused by your employees at a client’s site.

Commercial General Liability protects businesses against these types of claims. Even if your company is negligent or liable for damage, injury or loss to another’s property, reputation or health, your business can keep its assets if it is adequately insured.

General Liability insurance covers claims of bodily injury or other physical injury or property damage. It is frequently offered in a package with Property insurance to protect your business against incidents which may occur on your premises or at other covered locations where you normally conduct business. Commercial General Liability enables your business to continue operations while it faces real or fraudulent claims of certain types of negligence or wrongdoing.

Contact Kelly Williams Insurance today if you’re looking for quality general liability insurance in Long Beach or the surrounding areas.

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Long Beach Car Insurance

For some people, a car expresses the essence of their being, and to others, it’s simply an object to get from point A to B. We offer a variety of coverage and companies to choose from, based on your specific needs. Since 1895, Kelly Williams Insurance has been providing insurance to thousands of area residents with excellent service and the best pricing.

Advantages vary from company to company, and some require the purchase of certain coverages. As an independent insurance agent, we are able to objectively look at your account and select from the many different carriers which is the best fit for you. Whether your concern is keeping your premiums low or making sure that you have the broadest possible coverage, Kelly Williams Insurance can review your options so that you can make an educated decision. We represent a multitude of A+ rated companies including Mercury Insurance Group, Safeco, Progressive, and many others.

Call Kelly Williams Insurance today if you’re looking for amazing coverage at a rate you can’t pass up.

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Professional Liability Insurance

Essentially, if you are giving any kind of advice or if you´re providing a service to people you might need professional liability insurance. This can include doctors, insurance agents, lawyers, and business consultants because they have the exposure of giving the wrong advice or giving the wrong proceeding advice and receiving a claim from that. But the people that need professional liability insurance are not limited to those professions; certainly, if you are a wedding photographer, a party planner or someone who gives life advice or business coach and you give the wrong advice then you are also exposed to a lawsuit. So professional liability insurance protects you from giving the wrong advice or from someone accusing you for giving the wrong advice or providing a service improperly. 

Talk to one of our agents to see how much it will cost you versus the coverage and explore this as a viable option to your business. Call (562)498-8661 or visit us at 4400 E. Pacific Coast Highway in Long Beach. We are committed to protect you all the time.

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Group Health Insurance in Long Beach

Since over 60% of the U.S. population has health insurance and receives coverage through an employer sponsored group health insurance plan, it is easy to see the popularity. It’s popularity is also contributed to the many of Americans that work for companies solely because of the health insurance benefits. These companies that offer great health benefits also see a small turnover, making group health insurance a great incentive to draw quality employees.

Kelly Williams can offer group health insurance to valid companies of 2 or more. Contact Kelly Williams Insurance in Long Beach if you have any questions with supplying your company with a great group health insurance plan,

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Protecting Your Commercial Property

If your company is facing a catastrophe like fire, explosion, theft, vandalism or inclimate weather, commercial property insurance can be there to repair or cover damaged property or replace your inventory. Depending on the policy, commercial property insurance can cover basic equipment including structures, equipment, furniture, money, securities, and hard to replace records.  Choosing an All-risk policy can allow you to pick and choose the coverage for any situation.

Since Property is valued in two categories, reimbursement is either given by the cost of replacing your property, known as a replacement-cost basis, or you can be reimbursed by an actual cash value (ACV), based on the replacement of cost minus the physical depreciation of the lost or damaged equipment. By supplying this insurance to a variety of business including commercial buildings, apartment complexes, HOA’s or the contents of your business, Kelly Williams is able to help any business out when the worst happens.

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Whole and Term Life Insurance

Getting life insurance relies on your specific situation but generally it depends if you have someone else in your life that depends on you financially. Some of the life events to consider are being married, having children, having to save money for college, and or having a mortgage.

The general idea of getting a life insurance is that you pay a certain amount and in the event that you pass away then your beneficiaries, listed in the policy, will be covered by the amount established. Moreover, if you don’t and you decide to stop the policy at a point then your will get the insurance cash savings accumulated but won’t be covered after the policy is cancelled. This is called Whole Life Insurance for it does not stop until either you past away or stop paying the required payments.

However there is another way to get life insurance that is much easier and that might fit you best, which is called Term Life Insurance. Term Life Insurance works in this way, you pay a premium (the cost of the insurance) for a fix time, if you pass away during that time then your beneficiaries will be covered as usual but if nothing happens to you then you had the time to save enough money to cover your needs and to cover your debts for you to walk away. However, in case that you need extra time to accomplished your needs then you can extend the coverage period and make it happen, but keep in mind that the premium will not be as low as the first time you obtained it but will be still lower that getting a whole Life Insurance. This price increment in your premium is due to the fact that insurance companies have more risk on having older clients insured than younger ones.

So call us for a free quote and stop by at your convenience so that we can provide you with these and more options that can save you thousands of dollars and will provide you with the desire insurance policy you deserve.

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