Solutions for ​Your Company

Running a business comes with risks, but with the right business insurance coverage, 
you can protect your company from financial losses due to accidents, ​lawsuits, property damage, and employee injuries.

​At Gerard Insurance Services, we provide customized insurance solutions to safeguard your business. We offer a range of business insurance policies, including General Liability, Commercial Property, Worker's Compensation, Commercial Auto, and Professional Liability Insurance, ensuring that your business remains secure and financially stable no matter what challenges arise.

General Liability Insurance –
​Essential Protection for Your Business

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​General Liability Insurance is one of the most important policies a business can have. It protects your company from third-party claims, including bodily injuries, property damage, and legal expenses. 

Every business, whether large or small, should have general liability insurance to mitigate risks and avoid costly legal battles.

• Product & Advertising Liability –​ Protects against claims related to faulty products or misleading advertising.
• Legal Fees & Settlements –​ Helps cover lawsuit costs related to covered claims.

• ​Bodily Injury & Property Damage –​ Covers medical expenses and repairs ​if someone is injured or their property is damaged due to your business operations.

Commercial Property Insurance –
Safeguard Your Business Assets

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If your business owns a building, equipment, or inventory, Commercial Property Insurance ensures that you are financially protected against fire, theft, vandalism, or natural disasters.

No matter the size of your company, 
protecting your assets is crucial to long-term success.

• Product & Advertising Liability –​ Protects against claims related to faulty products or misleading advertising.
• Buildings & Structures –​Protects your business property from fire, storms, and other disasters.

• Equipment & Inventory –Covers repair or replacement costs for damaged or stolen business assets.
• ​Business Interruption Coverage –Helps replace lost income if your business is temporarily closed​​due to covered damage.

​Workers’ Compensation Insurance –
Protecting Your Employees & Business

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Worker's Compensation Insurance is required for most businesses and covers medical expenses and lost wages if an employee suffers a work-related
​injury or illness.

Providing Workers’ Compensation Insurance ensures that your employees feel secure and your business stays compliant with California law.

• ​Covers Medical Bills & Rehabilitation Costs
  
• ​Replaces Lost Wages for Injured Employees

• ​Protects Your Business from Lawsuits Related to Workplace Injuries

​Commercial Auto Insurance –
​Coverage for Business Vehicles

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​If your business relies on cars, trucks, or vans, a Commercial Auto Insurance policy protects your vehicles, drivers, and business from financial loss.

A commercial auto policy is essential for any business using vehicles for deliveries, client visits, or transportation.

• Liability Coverage – Protects your business if an employee causes an accident.
• ​Medical Payments Coverage –​ Covers medical expenses for drivers and passengers.

• Collision & Comprehensive Coverage –​​​ Pays for damage to company vehicles from accidents, theft, or natural disasters.

​Professional Liability Insurance –
​Protecting Against Errors & Negligence

Also known as Errors & Omissions Insurance (E&O), Professional Liability Insurance protects businesses that provide services or expert advice from lawsuits related to mistakes, negligence, or misrepresentation.

Even the most experienced professionals can make errors. 
Professional Liability Insurance ensures that one mistake doesn’t lead to
​financial ruin.

• Consultants & Business Advisors
  
• Accountants, Lawyers & Financial Professionals

• Contractors & Real Estate Agents
  
• Medical & Healthcare Professionals

​Why Choose Gerard Insurance Services?

​Local & Independent – We understand the unique risks businesses face in
Calaveras County and surrounding areas..
Tailored Coverage – We help customize policies to fit your industry and specific needs.
Competitive Rates – We work with multiple top-rated insurance carriers to get you the best price.
Fast & Friendly Service – Get quick and expert advice from real local agents.
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Wherever you operate, Gerard Insurance Services is here to help you protect your business and its future.

​Get a Free Business Insurance Quote Today!

​Protect your business, employees, and assets with the right insurance coverage. 
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​Contact Gerard Insurance Services today for a free, no obligation quote, and let our experts help you secure the best coverage at the best rates.