Insurance Coverage by Fastline Commercial Insurance
Fastline staff will guide you through the maze of insurance buying decisions. With a large variety of coverage options, we can structure a policy that fits your needs. At Fastline Commercial Insurance, we can help you determine which insurance will best meet your needs and provide the most coverage, quality, service and a fair price.
General Liability
Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else's property. However, it does not protect your own personal property.
Liability auto insurance is divided into two parts: bodily injury liability (BI) and property damage liability (PD). These two parts work together to compensate others to whom you’ve caused harm with your vehicle, thereby protecting your assets.
Cargo
Cargo insurance is a policy that protects the policyholder from the loss of goods during shipment. It is also known as freight insurance.
Med Pay
Med Pay will cover the medical costs associated with bodily injury resulting from an accident, without having to prove any fault.
If you are a trucking company, you may have gaps (uncovered exposures) between your policies or you primary liability insurance limits are too low. Umbrella insurance is an inexpensive way to cover these holes and increase your limits of liability. Make sure you read the policy details carefully to see what it covers. Some policies may exclude key risks in your operation.
Garage Keepers
Garage keepers insurance in CA is restricted to incidents that occur when the policyholder is handling the client’s car. Damages while storing the vehicle and during test drives are the most common scenarios that warrant this policy. It will also extend to vandalism and theft when the car is in the keeper’s care.
On-Hook Towing Insurance
The term “on-hook” refers to any vehicles or property you do not own, but are temporarily responsible for towing, during the day-to-day operations of your business. On-hook insurance coverage pays to repair or replace any on-hook vehicles, watercraft, or other property, if they are damaged while in-transit, and you are at fault.
Life Insurance
Life insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.
Workers Compensation
Workers' compensation is a system that states use to compensate employees of private and government employers when they are injured at work. Whether an employer or an employee was the cause of the employee's injury, the workers' comp system generally compensates the employee for medical costs, lost wages, and other losses.