Business Insurance with Zein Insurance Services

business insurance, workers compensation, epli, directors and officers, cyber liability insurance, general liability insurance, risk management, compliance, insurance,

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Commercial Business Insurance

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We Insure You One Step Better And One Step Closer To Success

When you’re just starting out in business, it’s easy to cut back on your business insurance. Many small business owners believe since they have little money and few assets, no one is going to sue them. Natural disasters? Not likely.

Unfortunately, that’s not how things always work out. Here are three small business realities:

Small companies get sued all the time. Just because your business is a corporation or limited liability company (LLC), that doesn’t mean your personal assets are always protected. Under certain circumstances, you could be held personally liable if you are slapped with a lawsuit. That’s why liability insurance/business insurance is so vital. Depending on your business, you may need general liability insurance, in addition to professional liability coverage.[/vc_column_text][/vc_column][vc_column width=”1/2″][ninja_forms_display_form id=”27″][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height=”48px”][vc_column_text]

Do You Have The Right Business Insurance?

Natural disasters can happen anywhere, and many businesses do not survive them. Weather patterns are unpredictable, especially when flooding occurs. Disasters are expensive.

Aside from specific disaster coverage, there’s also business interruption coverage. This type of insurance provides compensation for your business if it’s temporarily shut down due to a disaster.[/vc_column_text][vc_empty_space height=”48px”][/vc_column][/vc_row][vc_row][vc_column width=”1/2″][vc_single_image image=”4707″ img_size=”full”][/vc_column][vc_column width=”1/2″][vc_cta h2=”” txt_align=”center” style=”flat” color=”white” add_button=”top” btn_title=”General Liability” btn_style=”flat” btn_shape=”round” btn_color=”primary” btn_size=”sm” btn_align=”center” btn_button_block=”true” css=”.vc_custom_1494543719518{margin-top: -32px !important;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fgeneral-liability%2F||target:%20_blank”][/vc_cta][vc_cta h2=”” txt_align=”center” style=”flat” color=”white” add_button=”top” btn_title=”Workers Compensation” btn_style=”flat” btn_shape=”round” btn_color=”success” btn_size=”sm” btn_align=”center” btn_button_block=”true” css=”.vc_custom_1494543734726{margin-top: -96px !important;margin-right: px !important;margin-bottom: px !important;margin-left: px !important;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fworkers-comp%2F||target:%20_blank”][/vc_cta][vc_cta h2=”” txt_align=”center” style=”flat” color=”white” add_button=”top” btn_title=”Commercial Auto” btn_style=”flat” btn_shape=”round” btn_color=”warning” btn_size=”sm” btn_align=”center” btn_button_block=”true” css=”.vc_custom_1494543744941{margin-top: -96px !important;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fcommercial-auto%2F||target:%20_blank”][/vc_cta][vc_cta h2=”” txt_align=”center” style=”flat” color=”white” add_button=”top” btn_title=”Umbrella & Excess Liability” btn_style=”flat” btn_shape=”round” btn_color=”info” btn_size=”sm” btn_align=”center” btn_button_block=”true” css=”.vc_custom_1494543766075{margin-top: -96px !important;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fumbrella-otherspecialty%2F||target:%20_blank”][/vc_cta][vc_cta h2=”” txt_align=”center” style=”flat” color=”white” add_button=”top” btn_title=”E&O Malpractice” btn_style=”flat” btn_shape=”round” btn_color=”danger” btn_size=”sm” btn_align=”center” btn_button_block=”true” css=”.vc_custom_1494543709260{margin-top: -96px !important;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Feo-malpractice%2F||target:%20_blank”][/vc_cta][vc_cta h2=”” txt_align=”center” style=”flat” color=”white” add_button=”top” btn_title=”EPLI – Employment Practices” btn_style=”flat” btn_shape=”round” btn_color=”violet” btn_size=”sm” btn_align=”center” btn_button_block=”true” css=”.vc_custom_1494543803818{margin-top: -96px !important;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fepli%2F||target:%20_blank”][/vc_cta][vc_cta h2=”” txt_align=”center” style=”flat” color=”white” add_button=”top” btn_title=”D&O Directors and Officers” btn_style=”flat” btn_shape=”round” btn_color=”primary” btn_size=”sm” btn_align=”center” btn_button_block=”true” css=”.vc_custom_1494543831390{margin-top: -96px !important;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fexecutive%2F||target:%20_blank”][/vc_cta][vc_cta h2=”” txt_align=”center” style=”flat” color=”white” add_button=”top” btn_title=”Cyber Security Liability” btn_style=”flat” btn_shape=”round” btn_color=”success” btn_size=”sm” btn_align=”center” btn_button_block=”true” css=”.vc_custom_1494543856306{margin-top: -96px !important;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fcyber-liability%2F||target:%20_blank”][/vc_cta][vc_cta h2=”” txt_align=”center” style=”flat” color=”white” add_button=”top” btn_title=”Special Event” btn_style=”flat” btn_shape=”round” btn_color=”warning” btn_size=”sm” btn_align=”center” btn_button_block=”true” css=”.vc_custom_1494543883309{margin-top: -96px !important;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fspecial-event%2F||target:%20_blank”][/vc_cta][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height=”48px”][vc_cta h2=”Get A General Liability Insurance Quote!” h4=”Protect your business from any unforeseen slip-and-falls” style=”flat” color=”white” add_button=”left” btn_title=”GET A QUOTE!” btn_style=”flat” btn_color=”warning” btn_size=”lg” css=”.vc_custom_1494545339328{margin-left: 0;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fquote%2F||target:%20_blank”][/vc_cta][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

What is General Liability Insurance?

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  • • Every business owner eventually gets a lesson in business liability and torts; either in the classroom or the courtroom.
    • Regardless both the student and the defendant soon discover that business liability and tort law is a virtual minefield of potential lawsuits.
    • Many of which could potentially bankrupt the firm.
    • General Liability Insurance protects ensures that you and your employees’s source of income is secured from any tort incurred by your firm during business

What does General Liability Cover?

This significant protection to a business covers claims of property damage and /or bodily injury to a third party caused by your business operations, the insured premises or when someone is injured as a result of using any of your business products. This general liability coverage may also provide for legal defense of the insured.[/vc_column_text][/vc_column][vc_column width=”1/3″][vc_column_text]

General Liability Facts

[/vc_column_text][vc_toggle title=”General Liability Fact #1″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494526707491-d1d55209-7669″]Fact #1: Every business can benefit from General Liability Insurance.[/vc_toggle][vc_toggle title=”General Liability Fact #2″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494527096747-34d69ae3-cc61″]Fact #2: General Liability Insurance helps pay for lawsuits.[/vc_toggle][vc_toggle title=”General Liability Fact #3″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494527096285-63fb3ece-cd6b”]Fact #3: General Liability Insurance isn’t required by law usually, however it it may be required in business contracts or rental leases.[/vc_toggle][vc_toggle title=”General Liability Fact #4″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494527095257-eb1aa201-76c7″]Fact #4: General Liability Insurance does not pay for employee lawsuits, only third party lawsuits.[/vc_toggle][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

Protect Your Business From Any Disaster

Having the right insurance broker in your corner educating your firm on the best business insurance options can be beneficial to your association. Many businesses do not survive the death of an owner. Statistics show that many businesses crumble after the death of an owner. Life insurance can help your business survive if something happens to you, and protect your family and/or your business partner from financial disaster.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height=”48px”][vc_cta h2=”Get A Workers Compensation Quote!” h4=”Stay in compliance with state law, get an affordable workers compensation quote today!” style=”flat” color=”white” add_button=”left” btn_title=”GET A QUOTE!” btn_style=”flat” btn_color=”warning” btn_size=”lg” css=”.vc_custom_1494545351900{margin-left: 0;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fquote%2F||target:%20_blank”][/vc_cta][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

What is Workers Compensation?

[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”1/3″][vc_toggle title=”Workers Compensation Fact #1″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494528224979-fd6d6998-4c3c”]Fact #1: The United States recorded more than 4 million workplace injuries.[/vc_toggle][vc_toggle title=”Workers Compensation Fact #2″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494528225094-96aec1a4-ef33″]Fact #2: Medium size companies have the more workplace injuries than small or large companies.[/vc_toggle][vc_toggle title=”Workers Compensation Fact #3″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494528225205-f49cc50c-95b7″]Fact #3: More than 1.8 million workers are injured seriously enough to receive continuous medical treatment and time-off.[/vc_toggle][vc_toggle title=”Workers Compensation Fact #4″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494528225332-e39a7c91-f52c”]Fact #4: Hundreds of billions are spent annually on work-related injuries, sicknesses and fatalities.[/vc_toggle][/vc_column][vc_column width=”2/3″][vc_single_image image=”5085″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height=”48px”][vc_cta h2=”Cyber Liability Insurance” h4=”Millions of companies are targets to cyber threats stay protected with Zein Insurance Services” style=”flat” color=”white” add_button=”left” btn_title=”GET A QUOTE!” btn_style=”flat” btn_color=”warning” btn_size=”lg” css=”.vc_custom_1494545367757{margin-left: 0;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fquote%2F||target:%20_blank”][/vc_cta][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

What is Cyber Security Liability Insurance?

[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Cyber security liability protects your firm in the event of a financial liability created as part of a technology based security breach. If your business is in any way involved in handling the handling of customer’s personal information (credit card information, social security #, financial data, etc.) , then it is strongly advised that you and your firm seriously consider cyber liability coverage as a part of our business insurance options.

Does my association need Cyber Security Liability

Imagination would tell us that this is to shield from the liability incurred by hackers stealing personal information via the internet. While cyber liability does encompass such an event, and we strongly urge any business that operates a digital storefront/client portal to consider cyber policy, this is not the limit of what it shields against. More than half of data breaches are caused by system glitches and human error (Ponemon 2015 Cost of Data Breach Study).[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”2/3″][vc_single_image image=”4247″ img_size=”full”][/vc_column][vc_column width=”1/3″][vc_toggle title=”Cyber Liability Security Fact #1″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494532785815-f8450a7c-52a2″]Fact #1: Every business can benefit from General Liability Insurance.[/vc_toggle][vc_toggle title=”Cyber Liability Security Fact #2″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494532785985-ae59ffe6-d869″]Fact #2: General Liability Insurance helps pay for lawsuits.[/vc_toggle][vc_toggle title=”Cyber Liability Security Fact #3″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494532786166-fbc032d5-e6c8″]Fact #3: General Liability Insurance isn’t required by law usually, however it it may be required in business contracts or rental leases.[/vc_toggle][vc_toggle title=”Cyber Liability Security Fact #4″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494532786329-ea3cedef-3dc8″]Fact #4: General Liability Insurance does not pay for employee lawsuits, only third party lawsuits.[/vc_toggle][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height=”48px”][vc_cta h2=”Employer Practice Liability Insurance” h4=”EPLI may provide important defense for your business, protect your business and get a quote today!” style=”flat” color=”white” add_button=”left” btn_title=”GET A QUOTE!” btn_style=”flat” btn_color=”warning” btn_size=”lg” css=”.vc_custom_1494545382296{margin-left:0;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fquote%2F||target:%20_blank”][/vc_cta][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

What is Employer Liability Insurance?

[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”2/3″][vc_column_text]Employer liability Insurance or Employment Practice liability Insurance (EPLI) is a type of liability coverage that protect your business from common law liability of an employer for financial loss to employees, typically are:

• Discrimination based on race or age
• Sexual Harassment
• Wrongful termination
• Violations of the Americans With Disability ACT (Discrimination based upon disability)

Employment Practice liability Insurance may provide third party defense for your business when legal conflicts occur between employees and third parties.

Zein Insurance Services agents are very often able to combine EPLI coverage into our clients other business liability insurance policies. This can create substantial savings under certain circumstances.Talk to our professional sales and support team to receive quality help.[/vc_column_text][/vc_column][vc_column width=”1/3″][vc_column_text]

Employer Practices Liability Insurance Facts

[/vc_column_text][vc_toggle title=”General Liability Fact #1″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494541182767-940a1480-c0e1″]Fact #1: Not having EPLI can harm your small to medium sized business.[/vc_toggle][vc_toggle title=”General Liability Fact #2″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494541183001-9ba641c1-657e”]Fact #2: Average EPLI lawsuits range between $10,000 to $60,000 dollars.[/vc_toggle][vc_toggle title=”General Liability Fact #3″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494541183244-2b4ea097-9784″]Fact #3: 40% of companies mistakenly don’t have Employer Practices Liability Insurance.[/vc_toggle][vc_toggle title=”General Liability Fact #4″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494541183477-a95650d1-fbfa”]Fact #4: Legal fees can be substantial and cause risk to your businesses success.[/vc_toggle][/vc_column][/vc_row][vc_row][vc_column][vc_cta h2=”Directors and Officers Insurance” h4=”Provide financial security for the directors and officers of your company, get a quote today!” style=”flat” color=”white” add_button=”left” btn_title=”GET A QUOTE!” btn_style=”flat” btn_color=”warning” btn_size=”lg” css=”.vc_custom_1494545393749{margin-left: 0;}” btn_link=”url:https%3A%2F%2Fzisinsurance.com%2Fbusiness-commercial%2Fquote%2F||target:%20_blank”][/vc_cta][vc_column_text]

What is Directors and Officers Liability Insurance?

Directors and Officers Liability Insurance provides financial coverage for the directors and officers of your company in situations where a financial loss has occurred and is directly related to that individuals execution (or lack) of their fiduciary obligation to the company.

What we can do for you

At Zein Insurance Services we can give you the right advice that it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance. So that you can make a more informed decision but also so you do not purchase coverage you could not ever possibly need.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”1/3″][vc_column_text]

Directors and Officers

[/vc_column_text][vc_toggle title=”D&O Fact #1″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494541708858-1c2b0bd2-18ac”]Fact #1: It’s risky at the top.[/vc_toggle][vc_toggle title=”D&O Fact #2″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494541709081-ce18da06-d8da”]Fact #2: Personal liability is unlimited, having D&O insurance is beneficial.[/vc_toggle][vc_toggle title=”D&O Fact #3″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494541709281-f4d6ab89-431c”]Fact #3: D&O liability insurance can cover the directors and officers privately held firms, not-for-profit organizations, and educational institutions.[/vc_toggle][vc_toggle title=”D&O Fact #4″ style=”arrow” color=”blue” open=”true” css_animation=”right-to-left” el_id=”1494541709487-986a849d-f15f”]Fact #4:

In 2016 D&O lawsuits hit record numbers, which for companies in 2017 is a cause for concern.[/vc_toggle][/vc_column][vc_column width=”2/3″][vc_single_image image=”4902″ img_size=”full”][vc_empty_space height=”48px”][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height=”64px”][vc_column_text]

Why Choose Us For Your Business Insurance?

We are passionate about helping our clients with the proper business insurance. We also quality value added services, protecting our business clients from compliance issues. Learn more about our risk management solutions by getting a quote today!

Contact us today at 818 887-8780 and get high quality insurance for the lowest price, with the help of our experienced and knowledgeable agents. We listen! We understand! We offer customized solutions!

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