Your business is your passion – Ours is helping you protect it
Why Lewis & Associates?
We’re not just another insurance company. We value the relationships we build with
our clients. We work hard to understand your needs and expectations, and work even
harder to deliver the right insurance policy at the right price. And we do it all
with a level of professionalism and customer service seldom seen in the insurance
industry. Perhaps that’s what has helped us stick around for over 80 years.
Our flexible payment options are perfect for the busy professional. We offer fast,
convenient ways to submit a payment, including pay by check, debit or credit card,
through the mail or over the phone. You can even have your premiums deducted automatically
from your designated financial institution.
At Lewis & Associates, an agent is always nearby – ready to serve you with friendly
and professional service and providing you with a support-based relationship: we’re
there when you need us.
More than just your property
As a business owner, every day you’re faced with an endless amount of responsibilities.
Understandably, insurance probably isn’t something you think about on a daily basis.
But with the risks you face, you need an insurance plan that you can rely on, one
that gives you peace of mind knowing you’re covered when the unthinkable happens.
Lewis & Associates can help.
We specialize in writing commercial insurance policies suited to fit the needs of
business owners just like you. By combining several types of insurance coverages
together, we can offer you customized protection at a competitive price.
We’re dedicated to protecting your business and all the important things that keep
it running. Our outstanding products, superior customer service and excellent loss
control services make insuring your business a convenient, stress-free experience.
All businesses are not created equal
Your business is unique and your insurance coverage should be a perfect fit. Here
are a few ways that we can help protect your business:
Property Coverages – Building
• Exterior glass
• Appurtenant structures
• Permanently installed machinery and equipment
Property Coverages – Business Personal Property
• Tenant’s exterior glass
• Furniture, fixtures, machinery, equipment and stock
• Improvements you’ve made as a tenant
Business Income Coverage
• Optional waiting period
• Ordinary payroll with options to increase
• Actual loss sustained is included with additional options available
• Increased period of indemnity with options to increase
Other Coverages (automatically included)
• Equipment breakdown
• Money and securities
• Valuable papers and records
• Outdoor signs
• Accounts receivable
Liability Coverages
• Premises/operations
• Personal and advertising injury
• Tenants property damage legal liability
• Products/completed operations
• Limited host liquor liability
• Medical payments/sublimits
• General aggregate limit applies per premises
• Automatic “additional insured” status for those specified
Interactive
Frequently Asked Questions
- Q: Must I carry workers’ compensation
if I only have one employee?
A: Yes, California law requires every employer to carry
workers’ compensation regardless of the amount of employees.
- Q: I only have immediate family members
working at my business. Do I need to provide workers’ compensation?
A: Yes, California law requires workers’ compensation
for all employees, regardless of their relationship to the owner.
- Q: What is co-insurance?
A: Co-insurance is an agreement where you agree to share
(co-insure) some risk with the insurance company. It is a way of making sure that
you are maintaining the proper insurance amount and therefore keeping your end of
the agreement. If you don’t insure to the correct amount then you face a co-insurance
penalty and therefore could receive a lower claim payment amount in the event of
a loss.
- Q: I have general liability coverage
which says it covers bodily injury and property damage. Why doesn’t it cover my
own property?
A: Because general liability coverage is designed to
cover bodily injury and property damage “to others” for which you are legally liable,
subject to exclusions. It excludes Bodily Injury to you and & Property Damage
to your property.
- Q: I lease my building from a landlord
and carry general liability coverage for my operations. If I accidently burn down
the building, will my general liability policy cover it under property damage coverage
since property damage coverage covers damage to property of others?
A: No, because there is an exclusion in your general
liability policy which excludes damage to property you “own, rent or occupy”. In
order to protect the building you are leasing under your general liability coverage,
you need to look to the “Fire Legal Liability”. Most policies today call it “damage
to property you rent” or “Property Damage Legal”. This is shown as a separate limit
on your general liability policy and can usually be increased if needed.
- Q: Can I make payment on the amount
I owe due to an audit?
A: Unfortunately no. Audit amounts are due in full because
it is premium that is owed for coverage that has already been provided on an expired
policy.