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Oct
30
Check Out Our New Blog!

New blog coming soon...


Oct
24
Welcome To Our Blog

Welcome to Huntington Pacific Insurance Agency’s blog! We look forward to protecting your greatest assets. In our blog, we’ll be covering insurance services and information about insurance. Basically, we are the blog you’ll need when you want to choose the best insurance for your assets. The reason that people purchase insurance is so they are able to protect themselves financially and their items. When you insure your car and get into a car accident, you won’t need to pay mass amounts of bills both medical and for your car. In our blog, we’ll be focusing on finding the best insurance for you, how to know when you need insurance, and other topics that will give you the information you need to be privy to all insurance services. If you have any questions about insurance services, don’t hesitate to reach out to us.

What Types Of Insurances Does Huntington Pacific Insurances Provide?

We know how important it is to purchase insurance for your assets, which is why we want to give you the most information possible to make an executive decision. When you pick an insurance service that best for you, to help you simplify everything it would be best if you had all of your insurance services in one place, which is why we are the main insurance company for many in the Southern California area. As a one-stop-shop, you’re able to simplify your insurance. However, Huntington Pacific Insurance Agency doesn’t do a one-size-fits-all approach to each of our clients, we make sure to cater to your individual needs and work with you. To give you a brief overview of what Huntington Pacific Insurance Agency can provide you we put together a list for you below.

Each of these insurance services is able to meet your insurance needs. If you don’t see the type of insurance service you want on here, then please contact us to see if we offer it as well.

What Can Huntington Pacific Insurance Offer You?

As an insurance service agency, we can offer you a lot when it comes to insurance. With our many insurance services that we offer listed above, we also make sure to individualize the needs of each of our clients. Huntington Pacific Insurance Agency caters to the Anaheim, Costa Mesa, Huntington Beach, Irvine, Santa Ana, Santa Clarita, Newport Beach, Valencia, Stevenson Ranch, Westminster, and other Southern California areas. No matter if you have a flawed history or the perfect history, we’ll be able to find the right insurance services for you. We strive to make sure your insurance needs are met properly while still being in your price range. We know how scary it can be when something detrimental happens to your assets. Instead of you worrying about it, we’ll be able to step in and ease some of that discomfort. With our exceptional customer service and our many insurance services you can choose from, we’ll make getting insurance simple and affordable. We look forward to working with your for all of your insurance services.


Oct
24
Huntington Pacific Insurance Is Proud To Announce The Huntington Restaurant Club!

Everyone knows that most towns are only as good as the restaurants within them. That’s why we’ve decided to spotlight some local favorites to keep visitors of our site up to date with what’s going on in our culinary community. Check back often for reviews, interviews and special offers available to our customers!


Oct
24
New Program Promotes California Commercial Insurance Customers

Our agency is committed to helping those who trust us with their insurance needs. We’ve created the Partners of Huntington Pacific Program as a means to promote our commercial customers and save all of our customers money through special offers. If you own a business and your current agency doesn’t go the extra mile to help you succeed, give us a call!


Oct
24
California Commercial Insurance for IT Enterprises

Each business is unique. But some businesses have special commercial insurance needs due to the nature of what they do, the equipment they use or the people they employ. Are your special IT needs covered under your California commercial insurance?

Most businesses now have a heavy IT component in their operations and we are all familiar with the frustration and chaos that occurs when internet servers and email go down. If you are the company who manages the IT needs of other businesses, you are the one who carries the responsibility of maintaining that service.
If one of your employees accidentally causes a system crash for one of your clients, that could result in losses for them. It could lead to them being publicly embarrassed or losing clients, as well as income. If that happened, your IT company could be held liable.
In addition to your standard commercial insurance, you may need to consider ‘errors and omissions’ coverage and increased levels of liability coverage, particularly if you have large corporate clients.
The business insurance California companies need is an important way of financially protecting business interests, and having insufficient coverage can be just as bad as having none at all if the costs and damages from a lawsuit drastically exceed the limit of your coverage. Get it right the first time – carefully assess the risks you business could face, and take out a policy that’s tailored to your IT business needs.


Oct
24
High Demand for the Commercial Liability Insurance California Professional Advisers Need

Operating any business takes a lot of knowledge, energy and hard work. Since few businesses have the resources to hire staff to cover all fields of expertise, many hire accountants or financial advisers to help keep things running smoothly. These outside firms are one example of professionals who need to ensure that they have adequate commercial liability insurance. California advisers are often the subject of lawsuits. When things don’t go as planned, you don’t want yourself or your business to be financially vulnerable. Like the painter who never gets around to touching up his own home, professional advisers may be so busy giving other people advice on their financial situations that their own financial housekeeping ends up on the bottom of the priority list. So, is it time you reviewed your liability coverage?

Errors in accounting and financial planning advice can have far-reaching consequences for the clients concerned. Mistakes happen, but if your action or advice was ever to lead to financial loss or even hardship for a client, then it’s not only bad for business, it could potentially be the end of your business if you were uninsured or under-insured. With commercial liability insurance, California business owners can rest assured that they are protected in the case that unintentional negligence has led to financial loss. This sort of insurance can cover legal costs should a lawsuit be filed against you, in addition to some of the expenses if you are to lose that lawsuit.
No matter what your profession, everyone is human and not infallible, so California commercial liability insurance is something you need to think about if you’re going to be offering professional advice as part of your business. With that covered, you can go back to helping other business operators succeed!


Oct
24
California Commercial Insurance: What You Need to Know About Liability

When you run a business, however big or small, you have certain responsibilities. That’s why the liability component of your California commercial insurance is so important.

Liability claims on a business can come from a variety of sources. Here are just a few situations that could result in a claim:

  • A visitor to your premises is injured. The injury might be due to trip or fall, or even a physical altercation with someone on your premises.

  • A client may suffer financial loss due to an error made by you or one of your employees – for example, if you’re an IT business and an employee inadvertently causes a client’s web-based ordering system to crash, resulting in days of lost trade.

  • Incorrect advice. If part of your job is to provide professional advice, and some of the advice you provide is incorrect, your client could lose money and you could be sued.

  • Product liability. If you manufacture or produce a defective product that causes injury or illness you may be found liable for damages.

Even with the highest levels of quality control and customer service, businesses sometimes can’t avoid complaints or accidents. For the small business owner, a single lawsuit can be all it takes to bring about financial ruin – so having the commercial liability insurance California businesses need is a good idea.


Oct
24
California Commercial Insurance: What You Need to Know About Liability

When you run a business, however big or small, you have certain responsibilities. That’s why the liability component of your California commercial insurance is so important.

Liability claims on a business can come from a variety of sources. Here are just a few situations that could result in a claim:

  • A visitor to your premises is injured. The injury might be due to trip or fall, or even a physical altercation with someone on your premises.

  • A client may suffer financial loss due to an error made by you or one of your employees – for example, if you’re an IT business and an employee inadvertently causes a client’s web-based ordering system to crash, resulting in days of lost trade.

  • Incorrect advice. If part of your job is to provide professional advice, and some of the advice you provide is incorrect, your client could lose money and you could be sued.

  • Product liability. If you manufacture or produce a defective product that causes injury or illness you may be found liable for damages.

Even with the highest levels of quality control and customer service, businesses sometimes can’t avoid complaints or accidents. For the small business owner, a single lawsuit can be all it takes to bring about financial ruin – so having the commercial liability insurance California businesses need is a good idea.


Oct
24
When to Review Your California Commercial Insurance

Businesses and commercial ventures, like everything in life, are not static. They change due to all sorts of factors, some planned and others not. Your California commercial insurance needs to change with your business, so that no matter how it develops and changes over the years, you will have the right level of coverage. Here are just a few ways in which a business can change that can affect the insurance coverage required:

Growth in Turnover

If you have coverage in place for business interruption, stored goods, cash on the premises or anything else that may increase as your turnover does, you’ll want to periodically review your level of coverage.

Diversification

Have your services or product range been expanded? When you first obtained your policy you would have been asked to provide details about the services and products your business offers. Your insurance coverage is based on the information you provided at that time, so if these factors have changed, your coverage may need to change, too.

Employees

If you’ve expanded from a one person start-up to a busy small business with employees, you may be required to take out workers’ compensation insurance.
For any growing business in California, commercial insurance needs are likely to change as the business grows. It’s easy to forget to update your policy, but if something goes wrong, it can prove to be a very costly oversight.


Oct
24
Accurate Asset Assessment and California Commercial Insurance

California commercial insurance is designed to protect your business against financial losses that can be caused in many different ways. The level of coverage you have will be calculated according to the risks your business may face and the value of your assets.

Your assets include your business property such as your computers and other office equipment, machinery, stock, vehicles, any special items like specialized equipment, art and antiques. The level of your coverage and the premiums you pay are directly linked to the value of these assets and the level of risk involved.
For the growing business, the value of assets tends to increase regularly, so it’s important to have a means of tracking and valuing business assets. One way of doing this is to maintain an “asset register,” which records the details of property purchased or acquired by your business. This can be useful in a range of situations, for example:

  • In identifying your business assets and/or proving ownership of items that have been stolen or destroyed.

  • When it’s time to review your California commercial insurance, this list can help you estimate the level of coverage you need.

  • In accounting – your accountant may find it useful when it comes to depreciating items.

It’s an unfortunate fact that many growing businesses don’t take the time to create and maintain an asset register – and that can mean significant financial losses in the event that valuable items are not insured.