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T.D. McNeil Insurance Services

110 Blue Ravine Rd, Suite 105,
Folsom, CA 95630

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What commercial insurance is required in California

California is a beautiful state and many businesses have chosen to call it home. Like all states, some types of commercial insurance are required by most businesses. Having an independent insurance agent who helps you to make sure your business is in compliance is important for keeping your business free from fines and legal issues. At T.D. McNeil Insurance Services in Folsom, CA we focus on our customers. We believe in providing personal service. Our customer’s needs come first, and we will make sure you have the coverage that is mandated and what you actually need. 

In California, two types of business insurance are required commercial auto insurance and workers’ compensation.

Commercial auto insurance

If your business owns any vehicles you need to cover them with commercial auto insurance. In California, the required liability coverage is 15/30/5. You must have $15,000 for one person who gets hurt in an accident with a total per accident of $30,000. The property damage amount is $5,000 which is painfully low. 

Workers’ Compensation

California requires employers to cover their workers with workers’ compensation insurance. Even if your business only has one employee and even if your main office is not in the state, if you have people working in California, they must be covered. 

It is good to be in compliance with the law and have the required coverages, but there are other types of commercial insurance that most businesses should have to be protected. 

  • Commercial building insurance protects a lot more than just the building your business occupies. It is something that even a renter should have. It protects your machinery, inventory, raw materials, records, and office equipment.
  • Commercial liability insurance protects your assets from legal actions. Businesses are particularly vulnerable to being sued, and you really need this protection.   

If you have commercial insurance questions or needs, contact T.D. McNeil Insurance Service in Folsom, CA.

Landscaping and Gardens in California: When it Needs its Own Insurance

It doesn’t matter where you go in California. Residents are taking excellent care of their landscaping. There is something special about the gardens here. Homeowners pride themselves on being able to up the ante on their curb appeal or backyard oasis. It would be devastating if something happened to it, whether through theft, accident, or natural disaster. Do you know how much of your gardens are covered by your home insurance? 

T.D. McNeil Insurance Services has been serving Folsom, CA for years. We do know when your home insurance covers your beautiful landscaping and when it needs its own.

What is Covered by Your Homeowner’s Policy

Your homeowner’s policy will cover some of your gardens and landscaping. This is your standard garden work, which your policy will specify. Generally speaking, this includes shrubs, bushes, trees, and some flower beds.

What you can not claim for is something that would happen naturally in any garden. If you experience damage due to insects, for example, you can’t file a claim for that.

What Isn’t Covered by Home Insurance

When you have something special in your garden that is rare, has a high value, or is very old, then you need a separate insurance policy or a rider on your home insurance. This may not necessarily be a plant or live botanical. It could be an irrigation system, security, or something that might be considered a live asset or protecting one.

If you’ve had a 100-year-old tree transplanted into your landscape design, you should get separate insurance or policy for that. You may also have something like an asset such as foliage or plants that you inherited that have a value greater than what your homeowner’s insurance would cover.

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If you aren’t sure what your home insurance will cover with your gardens, give us a call. T.D. McNeil Insurance Services serving Folsom, CA has been protecting the landscapes of California for years.

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