Overview
Every business faces risks: a customer slips in your store, a client claims your advice cost them money, an employee files a complaint, or a data breach exposes customer information. The right combination of policies keeps one bad day from becoming a financial crisis.
We look at how your business actually operates, what your landlord, clients or contracts require, and where the real gaps are. Then we put together coverage that fits, without paying for things you don't need.
What's covered
- Business Owner's Package (BOP)Property and liability bundled for small and mid-size businesses
- General LiabilityInjuries and property damage you're responsible for
- Commercial PropertyYour building, equipment, inventory and furniture
- Commercial UmbrellaExtra liability limits above your other policies
- Employment Practices Liability (EPLI)Claims of wrongful termination, harassment or discrimination
- Professional LiabilityClaims that your advice or services caused a loss
- Cyber LiabilityData breaches, hacking and customer notification costs
- BondsSurety and license bonds when a contract or agency requires one
Who it's for
Retail stores, offices, professional firms, property managers, salons, auto service shops, wholesalers, and most other businesses with customers, employees or a physical location.
Signing a lease or a new client contract? Many require a certificate of insurance with specific limits. Send us the requirements and we'll make sure your coverage matches.
Why work with Assan Insurance Agency
We've served Los Angeles businesses and property owners since 2000 from our office on Westwood Boulevard. You work directly with the owner, Kamran Lalehpour, in English or Farsi, and we review your coverage every year so it keeps up with your business.
Common questions
What is a Business Owner's Policy (BOP)?
A BOP bundles general liability and commercial property into one policy, usually at a lower cost than buying them separately. It's designed for small and mid-size businesses and is often the best starting point.
Do I need general liability if I rent my space?
Usually, yes. Most commercial leases require tenants to carry general liability and name the landlord on the policy. It also protects you if a customer or visitor is injured at your location.
What does EPLI cover?
Employment Practices Liability covers claims from employees or applicants, such as wrongful termination, harassment, discrimination or retaliation. These claims can be expensive to defend even when they have no merit.
Can you send a certificate of insurance quickly?
Yes. Once your policy is in place, call or email us with the certificate holder's details and we'll send it over, usually the same business day.