Motor Vehicle

• Auto Insurance
  A huge commercial auto claim could put your company out of business virtually overnight. In 2019, 4,119 people perished in large truck accidents. Commercial auto insurance protects your business and in doing so, also protects the greater economy.
• Motorcycle Insurance
  Coverage for your motorcycle can either be a separate policy or added onto your auto policy, depending on the insurance company. Either way, the coverage provided is very similar to the coverages provided on your car insurance. Motorcycle insurance will typically pay for any damage or bodily injury you cause, with the option to add coverage for your bike.
• Boat Insurance
  There is some coverage available through a homeowners or renters policy for watercraft, but it is very minimal. If you are looking for more extensive coverage, including liability for any damage your boat may cause, it is often best to purchase a boat policy. Coverage offered usually includes theft, passenger liability, and towing in addition to third-party liability and coverage for the boat itself.
• RV Insurance
  Recreational vehicles such as camper vans, 5th wheels, and travel trailers often require different coverage and, therefore, different insurance policies. While the coverage typically remains the same as an auto policy, you will have different needs. Companies may offer additional coverages such as personal property, vacation liability, or emergency expense coverage.
• ATV Insurance
  Even if your ATV is not licensed for road use, you are still liable should you or someone else driving your ATV cause an accident and someone is injured and/or has property damage
• Inland Marine Insurance

Property

• Renters Insurance
  In the event of a natural disaster or catastrophe, renters insurance protects your possessions and helps with living expenses. What if a pipe bursts or a spark ignites a fire, destroying your personal possessions and forcing you to move to a motel temporarily? What if robbers break into your home and steal your belongings because your door is unlocked? Your homeowners policy will not cover your possessions. Can you afford to replace everything you own?
• Home Insurance
  James G Parker Insurance offers a large spectrum of insurance tools that provide our clients with a strategy to achieve their goals. We are committed to your long-term success, whether it's through custom-tailored insurance solutions for your business or homeowners insurance to protect you and your family.
• Landlord Insurance
  Landlord insurance is the type of policy you would need to rent out a home you own. This policy provides similar coverage to a homeowners policy but protects against loss of rental income due to a covered loss.

Health and Life

• Life Insurance
  If you're considering including life insurance in your employee benefits package you will have several coverage issues to consider, including whom to cover and the type and amount of coverage to offer.
• Health Insurance
  Choosing effective, sustainable health insurance coverage for your business helps build a solid foundation for balancing costs and prioritizing care for your employees.
• Disability Insurance
  Long-term disability insurance helps ensure that employees will still receive a portion of their income when they are absent from work for an extended period due to a covered disability. These absences may result from accidents, injuries, or illnesses that happened on or off the job.
• Long Term Care
• Dental Insurance
  Dental coverage is another widely available employee benefit. Increasingly, employees seek organizations offering dental coverage when seeking a new position. Dental benefits can range from coverage for cleanings and preventive care to major dental reconstruction and orthodontia. The differences in services covered along with the provider network, plan maximums, and the amount covered per procedure impact the overall premium for these plans.
• Vision Insurance
  Vision coverage has become a standard offering among employers over recent decades. While these plans have less variation than medical and dental plans, they can still be highly customizable to a business’ budget by changing the provider network or removing coverage for big-ticket items like LASIK.

Business

• Business Insurance
  Small business insurance helps protect your company’s personal property and income. It also helps safeguard you against liability claims.
• Commercial Property Insurance
  No matter what size of manufacturing business you own, you need protection against many types of losses. Those in the manufacturing business need specific commercial property insurance and general liability insurance that protect the unique risks involved in operating a manufacturing business.
• Workers Compensation Insurance
  The purpose of workers' compensation is twofold. Firstly, it protects the employee if they cannot work due to a workplace injury. Secondly, it protects the business from potential lawsuits brought on by the injured employee. Even if it were not required in most states, it would still be an essential piece of insurance to carry as a business owner.
• Commercial Liability Insurance
  Company cars are not as commonplace as they used to be, and commercial liability coverage is something you should not be without if you use vehicles for business purposes. Whatever type of vehicles you use for business, it is vital to understand commercial auto liability risks and the coverages that protect you and your business.
• Professional Liability Insurance
  Professional liability is a great way to limit your liability exposure as a business owner. You may have heard of errors and omissions insurance, another name for professional liability insurance, which limits your liability exposure from mistakes you or your employees may make with your business. For example, an accountant who fails to file their client’s taxes on time may be sued if their client is penalized by the IRS. This negligence may be covered under a professional liability policy.
• Builders Risk Insurance
  Solar businesses may need a Builders Risk policy, which is insurance coverage designed to help protect property in the course of construction. Your property at the worksite and stored offsite can be covered by a Builders Risk policy.

Personal

• Annuities
• Liability Insurance
  Commercial general liability insurance or a Business Owner’s Policy is a starting point for most commercial ventures. The coverage provides protection for property and liability losses common to many businesses. It is broad coverage but does not cover all the specialty risks your solar business faces.
• Identity Theft Insurance
• Jewelry Insurance
  Jewelry is considered personal property and would be covered under your homeowners or renters policy. However, coverage is limited to the perils (or events) specified in the policy and usually only up to $1,500 when it comes to theft. You have the option to either schedule the jewelry on your homeowners or renters policy or purchase a separate policy to ensure your jewelry is covered for its value and a broader number of perils.

Natural Disaster

• Flood Insurance
  Flood is another peril not offered through a homeowners or renters policy. If you live in a flood zone or are concerned about flooding, you need to purchase a separate flood policy.
• Earthquake Insurance
  Homeowners and renters policies do not typically cover damage from earthquakes. In California, if you would like to protect your home and belongings from earthquakes, you would need to obtain earthquake insurance. These policies provide coverage for both your home and personal property. Contact us for a quote.