What We Cover

Auto Insurance

Having the right auto insurance policy can help protect you financially if you are involved in an accident or your vehicle is damaged. An auto insurance policy is designed to provide you with a layer of protection against property, liability and medical costs following an accident. But choosing the right auto insurance can be overwhelming. Reach out to our agency today to learn more about auto insurance and find the policy that’s right for you.

Home Insurance

A standard homeowners insurance policy insures the home itself and the things you keep inside. By having coverage, you can financially protect yourself if there’s an accident. Contact our agency today to learn more or to get a no-obligation quote.

Business Insurance

Business insurance, also called commercial insurance, is insurance coverage designed to cover a business, including its employees and ownership. There are a wide variety of different types available.

Having the right commercial insurance policies is a significant component of a comprehensive risk management strategy that can help protect your business’s finances. Our agency is here to help you with all of your insurance needs. Call Agency of Tomorrow Insurance Solutions today to learn more or to get a free, no-obligation quote.

Rental Property Insurance

Renting out properties can be a profitable business. But just like any other business, the business owner—or landlord—has responsibilities to ensure their business’s success. Rental property insurance helps financially protect rental property owners if they experience a covered loss.

Commercial Auto Insurance

Businesses that rely on vehicles for their operations should consider purchasing a commercial auto insurance policy. Certain federal or state laws may mandate that commercial vehicles and drivers have adequate commercial auto insurance. If you need commercial auto insurance or want to ensure your business is in compliance with applicable regulations, contact Agency of Tomorrow Insurance Solutions today.

Boat Insurance

Having the right boat insurance policy for your watercraft can be an excellent way to protect yourself from costs related to property damage and medical expenses if an injury occurs. Our agency can assist you in learning more about your coverage options so you can be financially protected.

Renters Insurance

Renters insurance can provide you with needed financial protection against adverse circumstances, whether it’s covering your personal belongings in case of damage or ensuring you’re protected if someone is injured in your residence. If you need renters insurance, we’re here to help. Contact us today to learn more about your renters insurance options or to get a quote.

General Liability Insurance

Commercial general liability insurance can cover your business and clients by providing financial assistance when the unexpected happens. Our team can help you secure the insurance your business needs. Contact us today to get started.

Contractors Insurance

As a contractor, you face many risks as part of your job, no matter your trade. Securing comprehensive business insurance for your operations can help mitigate the financial losses from these hazards. If you’re a contractor and need insurance solutions, we are ready to help. Contact Agency of Tomorrow Insurance Solutions today for more information.

Flood Insurance

If you live in a flood-prone area, your home faces a substantial risk of property damage due to flooding. And while standard home insurance might provide coverage for household water damage resulting from a burst pipe or similar incident, your home insurance won’t cover damage caused by floods. Depending on your home’s location, your need for flood insurance could be significant. Contact our agency today to discuss your flood insurance needs.

Motorcycle Insurance

If you own or drive a motorcycle, purchasing motorcycle insurance may be required, depending on where you live. Additionally, having the right motorcycle insurance policy can help protect you financially if you’re involved in an accident or your bike is stolen or damaged. Contact us today to learn more about motorcycle insurance or get a quote.

Bonds

Bonds can benefit your business and help you build trust with your clients. In some circumstances, they may be required. If you need to purchase a bond, our agency can assist you in obtaining the right bonds for your business. Contact us today to get started.

Private Client

Standard insurance policies are designed for the average person, but your lifestyle is anything but average. When your assets—from high-value real estate and luxury vehicles to fine art and jewelry—outgrow the limits of traditional coverage, you need a new strategy.

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What Do Auto Insurance Policies Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:

Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.

Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including California, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:

• Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).

• Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.

Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.

Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.

Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage, or vandalism.

There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.

Get Covered Today

Agency of Tomorrow Insurance Solutions is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.

What Is Homeowners Insurance?

Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.

Do I Need Homeowners Insurance?

While purchasing a home insurance policy may not be mandated by the federal, state or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate coverage is always a good idea as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.

Get Covered Today

If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give Agency of Tomorrow Insurance Solutions a call today to get started or request your free quote now.

Business Insurance Policies

Every business’s insurance needs vary and may be influenced by company size, location, number of employees, and industry. A few standard policies businesses may carry include the following:

    • General liability insurance—A policy can provide coverage for claims of bodily injury or other physical injuries, personal injury (libel or slander), advertising injury, and property damage. It can be offered as a package policy with other coverages such as property, crime, automobile, and more.

    • Property insurance—Also called commercial property insurance, this coverage helps pay for damages to your company’s equipment and property after a covered accident or incident.

    • Business interruption insurance—If your business must shut down or cease operations due to a covered incident, this coverage can help replace lost income and pay for extra expenses incurred during the shutdown.

    • Commercial auto insurance—If your company has vehicles, you will likely need to secure a commercial auto insurance policy to properly insure any fleet members or employees who are drivers for your organization.

    • Professional liability insurance—This type of policy provides coverage if anyone makes a claim of negligence, misrepresentation, or inaccurate advice against your business.

    • Workers’ compensation insurance—This coverage can help employees who become injured or ill due to a work-related incident receive replacement income, medical benefits, and other financial assistance if they cannot work. Most states require that employers carry workers’ compensation insurance.

Depending on your business and industry, you may need to purchase other insurance policies for proper coverage. Contact Agency of Tomorrow Insurance Solutions today to discuss your insurance needs.

Get Covered Today

If you need business insurance solutions, we’re here to help. Give Agency of Tomorrow Insurance Solutions a call today to get started.

What Is Commercial Auto Insurance?

A commercial auto insurance policy can help cover the costs (e.g., damaged property and/or medical expenses) of an auto accident that may be caused by you or another employee. Generally, commercial auto coverages include liability, collision, medical, comprehensive, and uninsured/underinsured motorist coverage. There are additional coverages a business may need to add to their commercial auto insurance coverage. Our agency can help you review your business’s insurance needs and ensure you have the appropriate coverages.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance comprises various coverages, including:

    • Liability coverage—May provide repair costs for the other person’s vehicle or property. It also can provide coverage for the legal fees associated with a lawsuit for personal injury.

    • Comprehensive coverage—Can provide complete protection for damages unrelated to an accident, such as losses related to theft, floods, vandalism, and fires.

    • Collision coverage—May cover vehicle repair costs if an insured vehicle collides with another vehicle or object. Collision insurance may also help replace a totaled vehicle.

    • Medical payment—May provide coverage for passengers and the driver when there is a need for medical care resulting from an accident.

    • Uninsured motorist coverage—Provides bodily injury coverage if an uninsured driver hits a business’s vehicle and injures its driver and passengers. Some uninsured motorist coverage also covers damage to the company vehicle.

    • Underinsured motorist coverage—Provides coverage if an underinsured driver hits a business’s vehicle and injures its driver and passengers. Some underinsured motorist coverage also covers damage to the company vehicle.

Policy endorsements may be available to your business to help round out your policy. Add-ons may include roadside assistance coverage, towing reimbursement, hired non-owned coverage, rental reimbursement, and gap coverage for auto loans or leases.

How to Get Commercial Auto Insurance

If your business needs commercial auto insurance, we’re here to help. Contact Agency of Tomorrow Insurance Solutions today for a quote or to discuss your commercial auto insurance needs.

What Does Boat Insurance Cover?

Boat insurance policies generally depend on the type of coverage you select. Regardless, common boat insurance coverages include:

    • Liability coverage—Helps cover expenses if your boat causes damage to another person’s property.

    • Medical payments coverage—Helps cover medical expenses if you or a passenger gets injured on your boat.

    • Boat insurance property coverage—Helps protect your boat from various risks and potential incidents by covering costs related to incidents such as theft or vandalism.

    • Uninsured watercraft coverage—Helps cover expenses if an uninsured boater collides with you and causes injury to you or your passengers.

Other coverage options may be available. Our agency can help you learn about potential coverages to include in your boat insurance policy.

How to Get Boat Insurance

Agency of Tomorrow Insurance Solutions is ready to help you learn more about boat insurance. Contact us today to request a quote or to learn more.

What Is Renters Insurance?

Renters insurance provides protection against property loss and liability if you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each:

    • Property protection—Renters insurance covers your possessions against damage for things such as fire, smoke, lightning, vandalism, theft, and water damage—but not flooding. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car or lost or damaged anywhere you happen to be. Talk to your agent today to learn more about additional property protection options, such as flood and earthquake insurance and scheduled items riders.

    • Liability protection—The liability portion of a renters insurance policy helps protect against claims of third-party bodily injury or property damage caused by you or another person listed as insured on your policy. It may also help pay for medical bills if someone has an injury in your rental. Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence or elsewhere.

Some renters insurance policies pay a tenant’s temporary living costs if they need to live elsewhere because of a fire, severe storm, or another covered disaster. This coverage may include hotel bills, temporary rentals, restaurant meals, and other living expenses. Talk with your insurer about whether your renters insurance has this inclusion.

How to Get Renters Insurance

Whether you call a rented house, condo, or apartment your home, you can benefit from renters insurance. Call us today to learn more about renters insurance or to get a no-obligation quote.

Commercial General Liability Coverages

Commercial general liability insurance typically provides coverage for:

    • Third-party property damage—Commercial general liability insurance may provide repair or replacement costs if your business is responsible for damaging others’ property.

    • Third-party bodily injury—Commercial general liability coverage may pay for medical expenses if your business is responsible for a third-party bodily injury (e.g., an injury occurring at your business).

    • Personal and advertising injury—Commercial general liability insurance may provide coverage if your business is sued for a personal or advertising injury (e.g., slander, libel, or copyright infringement).

In addition to providing compensation for damages, commercial general liability insurance may pay associated legal fees (e.g., attorney fees, settlements, and judgments). Speak with your agent for more information on coverages, limits, and exclusions.

Why Commercial General Liability Insurance Is Important

Although commercial general liability insurance typically isn’t required by law, some business licenses may require coverage. Or a landlord may require proof of insurance before offering a lease.

Commercial general liability coverage may also help you avoid paying for unexpected losses out of pocket. Reach out to your agent for additional information on how commercial general liability insurance may mitigate your business’s risks. We can help you secure the coverage that is right for you.

How to Get Commercial General Liability Insurance

Our team can help you obtain your commercial general liability insurance policy. Contact us today for additional information or a quote.

What Types of Insurance Coverages Are Available for Contractors?

Whether you are a general contractor or an artisan contractor, business insurance can provide coverage for several exposures, which can help reduce your out-of-pocket burden. The coverages contractors select vary. Several types of insurance are typically available, including, but not limited to:

    • Commercial property insurance—Commercial property insurance protects your business’s physical assets (e.g., your building and its furnishings) if they are damaged by covered perils, such as fires or storms. It may provide repair or replacement costs.

    • Builder’s risk insurance—Builder’s risk insurance can provide coverage during a construction project. It may provide coverage if the building under construction, materials or supplies are damaged by a covered cause of loss (e.g., fire). Coverage may apply to property at the job site or temporarily stored off-site.

    • Contractor’s tools and equipment insurance—This may pay repair or replacement costs if your portable tools or equipment are damaged, lost or stolen.

    • Commercial auto insurance—If your business owns vehicles, commercial auto insurance may provide coverage if they’re damaged or in an accident. Hired and non-owned auto insurance (HNOA) may also be available to cover vehicles your business rents or leases.

    • Liability insurance—If your business is held legally responsible for property damage or injuries to third parties, liability insurance may compensate them for their losses. It may also cover the associated legal fees. Several types of liability insurance may be available, including:

        • Commercial general liability insurance

        • Products liability insurance

        • Pollution liability insurance

        • Cyber liability insurance

        • Completed operations liability insurance

        • Professional liability insurance

    • Umbrella insurance—If a significant liability claim exceeds the limits of your other liability policies, umbrella insurance may fill in the gap.

    • Workers’ compensation—If an employee suffers a work-related injury or illness, workers’ compensation may provide wage replacement or payments for medical expenses.

Additional policies and endorsements may be available. Speak with our team to discuss options, limits and exclusions.

How to Get Contractors Insurance

Agency of Tomorrow Insurance Solutions is well versed in the unique risks a contractor may face, and we’re here to help you get adequate protection against your exposures. Contact us today to discuss your insurance needs and to get a quote for coverage.

What Are My Flood Insurance Options?

The National Flood Insurance Program (NFIP) underwrites most flood insurance. If your community participates in the NFIP, you may be able to purchase an NFIP plan. Usually, you can buy NFIP plans through a major insurer or the NFIP Direct system.

NFIP plans must comply with federally established standards. There are two types of coverage: structure insurance, which protects your house, and contents coverage, which insures your possessions. There may also be coverage for debris removal costs, loss avoidance and cost of compliance.

You may be able to receive compensation for your losses and reduce your flood recovery costs by filing a claim on your flood insurance plan. Flood insurance doesn’t usually take effect until 30 days after purchase. However, if your lender requires that you have flood insurance to make, increase, extend or renew your loan, then there’s no waiting period.

Who Needs Flood Insurance?

Many homeowners must buy flood insurance if they live in a designated high-risk flood zone or have a mortgage backed by a federally insured lender.

Some lenders may require their mortgage holders to purchase flood insurance regardless of living in a high-risk zone. In addition, coverage is necessary if you live in a high-risk flood zone and have ever received disaster assistance through FEMA or the U.S. Small Business Administration.

How to Get Flood Insurance

Flood insurance can help financially protect you against the dangers of having your house flooded. Without it, you will need to pay flood-related damages out-of-pocket, which can be expensive. Contact Agency of Tomorrow Insurance Solutions today to learn more about flood insurance.

What Is Covered Under Motorcycle Insurance?

The coverage provided by your motorcycle insurance may vary based on what’s included in your specific policy. Some aspects that may be covered under a policy can include:

    • Liability protections (e.g., bodily injury and property damage liability) for injuries or damages you may cause to someone else while riding your motorcycle

    • Additional protections to you if you’re injured or your motorcycle is damaged in an accident with an uninsured or underinsured motorist

    • Property damage to your motorcycle caused by a collision with another object

    • Property damage to your motorcycle caused by vandalism, fire, theft or other covered losses

    • Roadside assistance

    • Towing

    • Trip interruption expenses

    • Additional or specialized equipment

Contact our agency today to learn more about the protections that may be available to you.

Why Do You Need Motorcycle Insurance?

Depending on where you live, motorcycle insurance may be required by state law. What’s more, if you’ve financed your motorcycle, your lender may require you to carry minimum coverage amounts. Beyond these requirements, having adequate motorcycle insurance can help protect you financially if you’re in an accident or your bike is damaged or stolen. Without insurance, you may have to pay for all incurred expenses out-of-pocket.

How To Get Motorcycle Insurance

If you need a motorcycle insurance policy, we’re here to help. Call Agency of Tomorrow Insurance Solutions to discuss your motorcycle insurance needs and get a quote for a policy that’s right for you.

What Are the Types of Bonds?

Businesses may need two common types of bonds: surety and fidelity. Surety bonds provide assurances that you will fulfill your contract or follow applicable regulations, while fidelity bonds insure against your workers’ dishonest acts.

Surety Bonds

Surety bonds are an agreement among three parties:

    • The principal is the party that buys the surety bond.

    • The obligee is a private or governmental party that requires the principal to secure a bond.

    • The surety is the entity that underwrites the surety bond, such as an insurance company.

The obligee may file a claim against the bond if a principal doesn’t adhere to the surety bond’s terms. Then, if the situation cannot be remedied with the principal, the surety may provide financial compensation to the obligee. If that occurs, the surety will typically seek reimbursement from the principal for that payment.

Fidelity Bonds

Fidelity bonds are a type of business insurance that may financially protect against specific dishonest acts. Two kinds of fidelity bonds include the following:

    • First-party fidelity bonds may cover acts of employee dishonesty (e.g., fraud, forgery or theft).

    • Third-party fidelity bonds may provide coverage for dishonest acts by individuals working for your business on a contract basis.

Contact Us Today

Agency of Tomorrow Insurance Solutions can help you get the bonds you need. Contact us for more information.