Whether you own a large trucking company, a local restaurant, or a small business, you need the best coverage to protect your livelihood in the event of an unforeseen circumstance. Business insurance (often referred to as commercial lines insurance) is a type of insurance that is specifically designed to protect your business. It covers a wide range of potential risks and losses that your businesses can face, including damage to property, liability for injuries or damages caused to others, and loss of income due to unexpected events. Business insurance can be customized to meet the specific needs of a particular business, and is typically an important part of a company's risk management strategy. It helps businesses to protect their assets and operations, and can also provide financial protection in the event of a lawsuit or other legal action. Overall, commercial business is an important tool that can you operate more securely and with greater peace of mind.

Your employees are fundamental to the success of your business. Workers' compensation insurance, or "workers' comp," is a type of insurance that provides medical benefits and financial compensation to employees who are injured on the job. It is required by law in California and most other states, and helps to protect both workers and employers. If an employee is injured at work, workers' comp will cover their medical expenses and a portion of their lost wages. It may also provide other benefits, such as rehabilitation or vocational training. For employers, workers' comp helps to protect against financial liability and can reduce the risk of lawsuits related to workplace injuries.

Commercial general liability insurance, also known as CGL insurance, is a type of insurance that provides protection to businesses against a wide range of potential liability claims. It is designed to cover damages or injuries that a business may cause to a third party, such as a customer or client. CGL insurance typically covers a wide range of risks, including property damage, bodily injury, personal injury (such as defamation or invasion of privacy), and advertising injury (such as copyright infringement). It may also provide coverage for damages related to products or services sold by the business, as well as coverage for damages resulting from the use of the business's premises. CGL insurance is an important type of coverage for businesses, as it can help to protect against financial liability and the potential for legal action. It can also provide peace of mind for business owners, knowing that they have protection in the event of a liability claim.

Inland marine insurance is a type of insurance that provides coverage for property that is transported over land, as well as for property that is temporarily located away from its permanent location. It covers the unique risks associated with the transportation and temporary relocation of property, and can include coverage for theft, damage, and loss of use. Inland marine insurance is an important tool for businesses, especially those in the construction industry, that rely on the transportation and temporary relocation of property as a part of their operations. It can help to protect their property and ensure that they have the resources they need to continue their operations in the event of an insured loss.

A business owners policy (BOP) is a type of insurance policy that is designed specifically for small businesses. It combines several types of coverage into one package, including property insurance, liability insurance, and business interruption insurance. The goal of a BOP is to provide small businesses with a cost-effective way to protect themselves against a wide range of potential risks and losses. It can help small businesses to protect their property, manage their liability risks, and ensure that they have the resources they need to continue operating in the event of an insured loss.

Divine Insurance Agency offers insurance suited for all ages and life stages. In addition to auto and home insurance, personal insurance lines include condo and renter’s insurance, as well as specialty insurance products to cover motorcycles, boats, and RVs. We’d like to help you make an informed decision regarding your personal insurance policies. As a family-owned and operated business since 2023, we have the knowledge and expertise to help you choose the right personal insurance coverage. Call our Personal Lines team at 559-420-0911 to speak with one of our friendly representatives. We look forward to hearing from you!