Commercial Insurance in San Francisco, Santa Clara, San Leandro, CA and Nearby Cities

Few Tips On Buying The Best Commercial Insurance Policy  In this blog, we will give you some tips on buying the best commercial insurance policy. Concise Solutions Insurance Services provides commercial insurance in San Francisco, Santa Clara, San Leandro, Alameda, Berkeley, Hayward, CA and surrounding areas.    1.Assess Your Business Needs  Begin by evaluating the specific […]


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Workers Compensation Insurance in Oakland, San Francisco, San Leandro and Surrounding Areas

Frequently Asked Questions About Workers Compensation Insurance  Concise Solutions Insurance Services offers workers compensation insurance in Oakland, San Francisco, San Leandro, Alameda, Berkeley, Santa Clara and surrounding areas.   What is workers compensation insurance? Workers compensation insurance is a type of insurance that provides medical benefits and wage replacement to employees injured in the course of […]


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Builders Risk Insurance in Hayward, Berkeley, San Francisco, Fremont and Surrounding Areas

5 reasons to choose builders risk insurance  Builders risk insurance, also known as course of construction insurance, is designed to protect construction projects during the building phase. Concise Solutions Insurance Services provides builders risk insurance in Hayward, Berkeley, San Francisco, Santa Clara, Fremont, Oakland and surrounding areas.   These are five reasons why choosing builders risk […]


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Benefits Of General Liability Insurance in San Francisco and Alameda, CA

 Buying an asset can be beneficial to an individual. It is advisable to have it insured at the earliest. This is an excellent way of protecting the asset. Failing to invest in property insurance in Oakland and Fremont, CA, can also lead to financial hardships. It is essential to understand the term as well.  It suffices to know that property insurance is a broad term indicating protection and liability coverage.

The following are usually a part of the property insurance plan:

· Homeowners Insurance

· Renters Insurance

· Flood Insurance

· Earthquake insurance

Personal property may be protected from perils with the help of a homeowner's or renter's insurance policy. High-value assets need to be protected by buying an additional rider. It is advantageous for the asset owner as a claim filed will have the insurance company compensate for the actual damage or provide the replacement value of possessions that cannot be repaired.

Being compensated for unexpected damage to the property structure and possessions can be a godsend for insured persons who cannot afford to pay for expensive repairs that must be done as soon as possible. It is vital to check the various processes of receiving the compensation when filing a claim. The insurance company usually provides the following means related to compensation coverage:

· Replacement cost- The insurance carrier will provide money for the repair or replacement of damaged items at the same value as the damaged item/structure. The replacement cost will be checked instead of the cash value

· Actual Cash Value- The sum for replacing the damaged item will be paid in cash to the insured person. The depreciation will be taken into account when calculating the value.

· Extended Replacement Cost- The insurance company will pay more than the coverage value if the costs of the damaged items have increased. The increase will be limited to 25% of the coverage

An event that damages or destroys a personal possession is known as a peril in insurance terminology. It is most important to go through the list of named perils included in the insurance document before going ahead and buying property insurance. The following are almost always covered by homeowners and/or renter's insurance policies, too:

· Fire  and/or lightning strikes, as well as smoke

· Windstorm or hail

· Explosion

· Damage caused by vehicles.

· Damage caused by aircraft

· Theft

· Vandalism

· Volcanic eruption

· A falling object resulting in a crash

· The weight of ice, snow, or sleet

· Accidental flow of water or steam from household systems or appliances

· Sudden and accidental tearing apart, cracking, burning, or bulging of certain household items or structure

· Freezing of specific household systems or appliances

· Certain sudden, accidental damage from artificially generated electric currents

Moreover, one may decide to buy an insurance plan that includes open perils. This indicates compensation for a peril that is not mentioned in the insurance document

Small-time business owners working as contractors or subcontractors can benefit by being covered with general liability insurance in San Francisco and Alameda, CA.