Businesses in the manufacturing industry need to have appropriate insurance coverage. While a manufacturing company’s insurance needs vary by industry, all companies in this sector should have specific policies to help protect their financial well-being.  Contact the agents at Germani Insurance Services serving California, Arizona, Colorado, Nevada, Washington, Oregon and Utah areas to learn more about the insurance solutions that may help provide financial protection for manufacturing companies.   Manager man worker doing stocktaking of product management in cardboar ..read more

Commercial property insurance is an essential type of coverage for businesses of all sizes and sectors. These policies are necessary for any business—whether it rents, owns or leases space. Even businesses being operated out of a home should strongly consider this coverage.  Contact the insurance experts at Germani Insurance Services serving Califo rnia, Arizona, Washington, Oregon, Nevada and Utah. These agents can guide you through various policy options to tailor the right insurance package for your specific needs.  smart confidence asian startup entrepreneur business owner b ..read more

Running any type of business comes with a certain amount of risk, but contractors in particular face many potential hazards due to the manner of their work. Most contractors will need to enter clients’ homes or property, which always presents the risk of potentially damaging their property. In order to protect themselves and their business from costly lawsuits, contractors must obtain proper insurance coverage.   What Is Contractor Insurance?  Contractor insurance is a type of coverage that protects a business in case of a work-related incident. No two contractors have the ..read more

Although core compensation is the top-rated concern among employees, a comprehensive benefits package is often cited as the next most important factor when evaluating whether to stay at a company or switch jobs.   Many employers aim to offer benefits to their employees, but they may not know which benefits to choose. Factors such as budget, the number of employees, and similar considerations can play a role in the decision-making process. Employers can attract and retain quality employees and improve employee health and morale by building an attractive employee benefits pa ..read more

Contractors must account for significant risks and exposures amid daily operations. The potential for costly incidents that could result in significant losses and damages makes it necessary for your business to implement and maintain robust risk management and loss control practices. With that in mind, you should take the time to understand how to protect your physical property using suitable property insurance.   What Is Property Insurance?  Commercial property insurance, also known as business property insurance, is a crucial component of an adequate insurance portfolio ..read more

Businesses require insurance coverage for many reasons. In addition to protecting your company’s property and providing financial assistance when responding to lawsuits, insurance can also provide critical aid if an incident forces your business to cease or alter its operations. Many common incidents, such as fire or wind, can cause significant damage to your property, and, while commercial property insurance may cover repairs, additional coverage is necessary to fully protect your finances. That’s where business income insurance comes in.  What Is Business Income Insurance?  ..read more

Employment practices liability insurance (EPLI) can provide coverage for lawsuits from employees who allege that actions organizations took during the employment process violated their rights. Although this may seem like a policy only large corporations need, entities of all sizes may be vulnerable to these claims.  The team at Germani Insurance Services in Los Angeles, California, can provide more information on EPLI. Contact us today for details.  What Is EPLI Coverage?  Employment practices liability insurance may help cover the costs of employment-related lawsuits (e.g ..read more

Restaurant owners face unique risks that certain types of insurance can help mitigate. Restaurant insurance can help provide valuable financial protection for your company.   Contact Germani Insurance Services in Los Angeles, California, to learn more about restaurant insurance and get a quote.     What Insurance Policies Does a Restaurant Need?   Your restaurant may benefit from purchasing insurance designed to protect against common risks in the industry.   General liability insurance helps pay for damages if your restaurant is legally liable ..read more