top of page

                                                                                             Business Insurance

Insurance coverage for your business — so you can get back to work. Serving all of California.

Zona Sur Insurance Services understands the needs of businesses in our community — you can find our offices in Upland, and our clients all around California.

As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.

We’re proud members of the Upland marketplace, and we’re committed to being an advocate for you and your business in times of need.

To talk with one of our helpful team members about your business insurance needs, contact us today.

Business Owners Policy – Serving California

​

As a business owner, you strive to make decisions that are right for your business, your employees and yourself. This includes decisions about business insurance.

You know you need excellent coverage. You don’t, however, have time to become an expert in business insurance. That’s where Zona Sur Insurance Services can help.

A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.

Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Whether you are a home-based business, small service provider or contractor, Zona Sur Insurance Services will work with you to find the right combination of business insurance coverage to meet your specific needs. Contact us today!

Supplemental Coverage Available

  • Extended liability for additional insureds.

  • Debris removal, personal property.

  • Tools and equipment.

  • Valuable records protection and accounts receivable.

In addition to advising you on the right coverage, we provide additional services, such as:

    • Loss Prevention Programs – with our insurance company partners, we can evaluate your business’s current conditions and recommend ways to lower property, auto, workers compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.

    • Quick Claim Response – when you do have a claim and need fast and fair service, we work with you to make that happen. That’s why we only represent companies with excellent records for settling claims fairly and promptly.

    • Competitive Rates – many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing.

To see if your business qualifies for one of these special programs, contact Zona Sur Insurance Services for more information. Give us a call at 909-843-7840.

Commercial Auto Insurance

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment.

It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.

Hired/Non-owned Auto Liability
Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Use of Personal Vehicles
Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business.

Every business is unique – talk to Zona Sur Insurance Services today to find out how to get the best commercial auto insurance, service, price and value. Give us a call at 909-843-7840.

​

​

Commercial Property Insurance

Serving the unique needs of businesses in Upland and all of California

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or man made disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent,Zona Sur Insurance Services can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today.

California – What you need to know about commercial property insurance

BUILDING

Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Zona Sur Insurance Services a call today at 909-843-7840, and we’ll help you determine if you have enough commercial property insurance for your business.

FLOOD

Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask Zona Sur Insurance Services to review your coverage, and we’ll help you find the best solution.

BUSINESS PERSONAL PROPERTY

Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

BUSINESS INCOME (BUSINESS INTERRUPTION COVERAGE)

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. Zona Sur Insurance Services strongly recommends that all businesses acquire this coverage.

ELECTRONIC DATA PROCESSING (EDP)

This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.

Based in California, Zona Sur Insurance Services understands the business insurance needs of our customers. The right coverage for you is unique – call us at 909-843-7840 or contact us today to find out how to protect your business and your future with the right insurance.

Need an insurance quote?

Call now 909-843-7840

​

  General Liability Insurance

 

Protecting the businesses of California

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business.

​

Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.

 

Zona Sur Insurance Services recommends that all businesses have general liability coverage in place. Call us at 909-843-7840.

 

Additional Liability Coverage

Take a look at the list below for additional liability coverages that you may want to consider.

​

PROFESSIONAL LIABILITY INSURANCE (ERRORS & OMISSIONS)

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Zona Sur Insurance Services recommends that all professional and technology companies have E&O coverage.

 

EMPLOYMENT PRACTICES LIABILITY INSURANCE (EPLI)

Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Zona Sur Insurance Services recommends considering this type of coverage.

 

DIRECTORS AND OFFICERS INSURANCE (D&O)

D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other products and services, call Zona Sur Insurance Service at 909-843-7840 and we’ll help make sure you’re properly covered.

bottom of page