Coverage for Your Business Palmdale, CA

Protect your Investment

Driscoll & Driscoll Insurance Agency, Inc. provides insurance to businesses in Palmdale, Lancaster, Santa Clarita, Woodland Hills, Los Angeles, Bakersfield, and surrounding areas.

No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Driscoll & Driscoll Insurance Agency, Inc. would like to return the favor by giving you the coverage you need to ensure the security of your business. 

At Driscoll & Driscoll Insurance Agency, Inc., we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

What Commercial Insurance Do You Need? 

You must insure multiple features of your business and operations. That will naturally require more than once insurance policy. How can you do that both efficiently and affordably? 

Some of the policies you might need include: 

• BOP Coverage

• Commercial Auto Insurance

• E&O Insurance

• Workers’ Compensation

• Other coverage based on your personal and industry risks

We will help you determine the who, what, when, where, why and how of commercial insurance. Whatever coverage you choose, you’ll always get targeted protection at budget-friendly prices. 

Essential BOP Coverage 

BOPs, otherwise known as Business Owners Policies, are an easy way to get several pieces of coverage in one place. These packages contain common types of commercial insurance that apply to a multitude of industries. They often include: 

Each BOP differs. Some will offer expanded coverage add-on options like cyber liability or professional liability insurance. Ask your agent about the specifics of your policy.

• Liability insurance: Your state will often require all drivers to carry this coverage. If a policyholder is at-fault for an accident, coverage can compensate third parties for their injuries, property damage or other settlements.

• Collision coverage: Pays for damage to your own vehicle after an accident.

• Comprehensive insurance: Pays for damage to your vehicle after non-accident damage. Covered incidents might include vehicle fires, theft, vandalism and weather damage.

• Uninsured/underinsured protection: If another driver causes damage to you, they might not have adequate liability insurance. This coverage can pay the costs that person might owe you.

• Medical coverage: If you get hurt, this coverage can pay for your medical costs.

Depending on the type of business and vehicles you operate, you might need other coverage, like inland marine, cargo or trailer protection. Ask your agent about any coverage more specific to your industry. 

Workers’ Compensation

Workers’ compensation extends to the needs of employees who get hurt or sick on the job. It essentially works to supplement the income the affected parties might lose because of the accident. With coverage, an affected employee might get help with medical bills, rehab costs and other financial needs. That can help better ensure their recovery and eventual return to work. 

Let’s say an employee falls on their way to the bathroom. They might break a bone, get a concussion or have other injuries. Because the injury happened in the course of their duties, the business might hold responsibility for the employee’s injuries. Regardless of whether the business was negligent in the accident, they often have to offer the employee workers’ comp. Most businesses in the U.S. have to offer this protection to their employees. 

E&O Insurance 

Errors & Omissions (E&O) coverage extends to professional mistakes made by the business or its employees. If your clerical errors, professional advice or other factors harm a client financially, they can make a claim on this coverage. Therefore, you’ll be able to settle with the client for their losses. 

Here When You Need Us 
We are here to help you when you need help with your commercial insurance package. You’ll always get effective coverage at the appropriate prices. Don’t hesitate to contact us today for a quote!