5025 El Camino Avenue, Carmichael, California 95608, United States
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If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.
AUTO
HOME
HOME
If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.
COMMERCIAL
LIFE & HEALTH
LIFE & HEALTH
Are your customers raving about you on social media? Share their great stories to help turn potential customers into loyal ones.
LIFE & HEALTH
LIFE & HEALTH
LIFE & HEALTH
Have you opened a new location, redesigned your shop, or added a new product or service? Don't keep it to yourself, let folks know.
AUTO
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is an agreement among you and the insurance agency. the insurance agency consents to pay your misfortunes as characterized in your policy.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- On the off chance that you're in a accident or your vehicle is taken, it costs cash, frequently large chunk of change, to fix or supplant it.
- Assuming that you or any travelers are harmed in a accident, clinical expenses can be very costly.
- Assuming that you or your vehicle is liable for harm or injury to other people, you might be sued for significantly more than you're worth.
- Not exclusively is having insurance a judicious monetary choice, many states expect you to have some inclusion in any event.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
What is “accident forgiveness?
Some insurance companies sell “accident forgiveness,” an add-on to your policy that keeps your rates from going up after your first at-fault accident. There might be a limit on the claim amount that would be forgiven. In other words, if the accident you caused were major, with a large payout from the insurance company, it might not be overlooked when the next premium period rolled around. Before agreeing to the coverage, read the fine print—it may not be worth the extra cost. “Accident forgiveness” might not be available to you unless you have a clean driving record and no claims and/or have been a policyholder with the insurance company for a certain number of years. (Some companies offer “accident forgiveness” at no charge to long-term policyholders with a clean record.)
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
If you are looking for an affordable Auto Insurance Quote, look no further than Golden Rates Insurance! Contact us today to get started protecting your most precious assets!
Business & Commercial Insurance
Business & Commercial Insurance Information
Helps protect business owners from unexpected losses.
Commercial Auto
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
General Liability
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Do I need workers compensation insurance?
Workers’ comp also has benefits for you, the small business owner. It includes liability insurance coverage. So, if your business faces lawsuits from injured workers or their families, workers’ comp can help pay for your legal costs.
Employers have a legitimate liability to their representatives to make the working environment safe. Notwithstanding, mishaps happen in any event, when each sensible wellbeing measure has been taken.
- It cover their medical care and medical treatment
- Replace most of their lost wages if they take time off from work to recover
- Provide disability benefits
- Give death benefits, like helping pay for a funeral if they lose their life in a work accident or from a job-related illness
To protect employers from claims coming about because of work environment mishaps and to give clinical consideration and remuneration to lost pay to representatives hurt in working environment mishaps, in pretty much every state, organizations are expected to purchase laborers pay protection. Laborers remuneration protection covers laborers harmed at work, whether they're harmed on the working environment premises or somewhere else, or in car collisions while on business. It additionally covers business related ailments.
Workers compensation gives installments to harmed laborers, regardless of who was to blame in the mishap, for time lost from work and for clinical and restoration administrations. It likewise gives demise advantages to enduring mates and wards.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers compensation insurance must be bought as a separate policy.
If you have any more questions then feel free to call us at 916 - 514 - 0335, or fill out the form below to get started on receiving a quote.
LIFE & HEALTH INSURANCE
Life & Health Insurance Information
Is it safe to say that you are spending a lot on Health and Life Insurance? Does it seem like your choices are between only goliath enterprises who simply need to get the most they can out of your wallet?
The time has come to quit making due with insurance organizations that obviously care very little about getting you the best rates or accepting your calls. For this reason you can work with Baja Insurance. Our master group will give their all to get you the most minimal rates conceivable and keep you from managing the problem of speaking with the health Insurance monsters.
Why Golden rates Insurance?
Golden Rate Insurance our aphorism is "Hold our hands for better tomorrow" and we acknowledge that in all that we do. We need to get you the best insurance rates, since we don't think it is fair that so many insurance companies are involving you as just a necessary evil for their wallets. We need to get you incredible insurance rates, since that is what you merit.
Don’t go without health or life insurance
Living without health insurance is a nightmare and not something you should settle for. Without health insurance you have to live in a world of fear and concern. Any incident, medical appointment, or just getting sick at the wrong time could leave you taking out loans just to pay your bills. Health insurance will cover you from that.
Life Insurance is there to protect you in case the worst ever happens. You never have any idea what life will throw at you or your family and you want to be prepared for that. Life insurance can help make sure that if you are ever gone your family and those you care for will still be taken care of.
Through us we can try to get you health or insurance that will wash these fears away.
What kinds of health insurance are there?
Affordable Care Act (ACA) plans — which can also be called Marketplace or Exchange plans.
Medicare plans and Medicaid plans.
Before you choose a plan during open enrollment, it may help to review the various types of plans to get a better understanding of which type of health insurance may work best for you.
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
Contact us for more questions
If you are tired of spending too much on life or health insurance then look towards Baja Insurance. We will always do our best to get you rates lower than the biggest insurance groups out there. Stop trying to communicate with groups that are only going to put you on hold, avoid talking to you, and take away too much money. Look towards Golden Rates Insurance for your life insurance plans.
If you have any more questions then feel free to call us at 9165140335, or fill out the form below to get started on receiving a quote.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.