Affordable Insurance Solutions

is a policy that covers vehicles used for business purposes, such as work vans, trucks, or cars driven by employees.

It typically includes:

• Liability coverage (if your vehicle causes injury or property damage)
• Collision and comprehensive coverage (for damage to your vehicle)
• Medical payments for injuries to the driver or passenger 
• Uninsured/underinsured motorist coverage
• Coverage for multiple drivers and attached equipment or tools
   

✅ It’s required if your vehicle is used for work tasks like deliveries, transporting tools, or driving employees.
Personal auto insurance won’t cover business use—commercial auto is essential for proper protection.

is a policy that protects your business from financial loss due to claims of injury, property damage, or negligence.

It typically covers:

• Bodily injury (e.g., a customer slips and falls at your location) 
• Property damage (e.g., you accidentally damage a client’s property)
• Legal fees and court cost 
• Advertising injury (e.g., slander, libel, or copyright claims)
   

✅ It’s one of the most important policies for any business and is often required for leases, contracts, and licenses.
Without it, one lawsuit could put your business at serious risk.

is a type of insurance that provides medical benefits and wage replacement to employees who get injured or become ill due to their job.

It typically covers:

• Medical treatment and rehabilitation 
• Partial wage replacement while the employee is unable to work
• Disability benefits (temporary or permanent)
• Death benefits to the worker’s family if the injury is fatal
   

In most states, including California, it’s legally required for employers with one or more employees.

✅Workers’ comp protects both the employee and the business—ensuring injured workers get help and shielding the employer from most lawsuits related to workplace injuries.