Commercial Insurance Services

Wrap Up or OCIP
A Wrap, also known as an OCIP or CCIP (Owner-Controlled Insurance Policy or Contractor Controlled Insurance Policy), is a commercial general liability insurance policy, can include workers' compensation, issued for a specific project which includes coverage for the builder/developer, general contractor, and subcontractors performing trade work on the project.

General Liability
General Liability is a form of insurance designed to protect owners and operators of businesses from a wide variety of liability exposures. These exposures could include liability arising out of accidents resulting from the premises or the operations of an insured, products sold by the insured, operations completed by the insured, and contractual liability.

Workers' Compensation
Worker's Compensation Insurance covers payment of all workers compensation and other benefits that the employer must legally provide to covered employees who are occupationally disabled. Per the State mandated requirement, employers must maintain current workers compensation insurance.

Commercial Auto
Coverage for your vehicles used in your business. Similar to personal auto coverage, but without the exclusions in personal auto coverage for accidents involving vehicles used for work.

Bid, Performance, & Payment Bonds
Guarantees contract performance according to contract specs & conditions as well as payment of bills for labor and materials (including subs & suppliers). Bonds are backed by surety company's capital up to the limit of the bond.

Commercial Property/ Vacant Property
Offices, Buildings, Factories, Retail Strips, Apartments, Hotels, Misc. Occupied or Vacant Properties. We serve Northern California, Sacramento, Roseville, Folsom, Granite Bay Loomis, Rocklin, Orangevale, Fair Oaks, Citrus Heights, Lincoln Sun City, Elk Grove. Call Guy Sorber for more information and quick quotes 800-864-5774