Sahota Insurance Agency

Auto insurance policies protect your personal vehicle and a variety of risks associated with operating it. Auto policies typically offer four types of coverage: Liability, Medical Payments, Uninsured Motorists and Physical Damage. This coverage is then broken down into liability protection for the driver, personal injury for the driver and passengers, coverage to protect from uninsured or underinsured drivers, comprehensive for damage that occurs other than collision and collision coverage.

Business auto or commercial auto insurance policies help protect your businesses and your employees. Many different businesses have a need for business auto insurance. Examples are: contractors, tow truck companies, couriers, services, dry cleaners, retail delivery, carpet cleaning, appliance and electronic repair companies, pizza delivery, trucks and dump trucks.

A Business Owners Policy (BOP) is a business insurance policy that provides a package of basic coverage for most small to medium sized businesses. A BOP offers coverage that is normally less expensive than if it were purchased separately. BOP policy coverage includes property coverage for your building, liability coverage, contents coverage for inventory, equipment and fixtures and business interruption to replace lost income for up to a year in the event of a covered loss.

General Liability Insurance (GL) policies protect against negligence claims from clients, employees, vendors, contractors or others. GL policies cover general liability, bodily injury, property damage, personal injury, advertising injury, liquor liability, and contractual liability, loss of services, public liability, products-completed operations and employers.

Health insurance has recently received a lot of attention and is a popular topic today. Health policies are available to cover medical, dental, vision, Medicare and supplemental benefits. With the onset of the new health insurance legislation you may be considering changing from a group to an individual policy, purchasing your policy privately or through the federal or state run exchange known as The Marketplace. The Marketplace Exchange provides cost sharing solutions lowering out of pocket costs, deductibles and co-pays based upon individual income. The Marketplace offers four different plan types based on your individual coverage needs.

Homeowner’s insurance policies provide coverage for your home in six main areas: Dwelling, Separate Structures, Contents, Loss of Use, Personal Liability and Medical Payments. Depending on the specific insurance company and policy, there are many endorsements that can be added to add coverage for additional items such as collectibles, jewelry or even a home based business. Renters insurance is coverage for your contents and personal liability when you rent a house, apartment or condo from a company or individual.

When it comes to protecting and securing your family’s financial future, a life insurance policy can provide the most affordable and guaranteed method available. While most people have heard or learned about life insurance products through marketing or conversations with friends, family or agents, they do not feel they have enough knowledge to make an informed decision on their own.

Professional liability insurance or professional indemnity insurance policies help protect businesses or organizations from possible negligence claims or lawsuits for services they provide. Claims are usually for negligence, good faith, errors, omissions, misrepresentation or incorrect advice.

Personal Umbrella insurance policies provide additional liability protection above the limits of liability that is offered on your homeowners, auto, motorcycle, boat and RV or rental property policy. In order to be eligible for a personal umbrella most companies have minimum liability coverage limit levels that are required.

Workers’ Compensation Insurance (Work Comp) is a policy that provides coverage for employees of a business in the event that they are injured at work or have a work related illness. Work Comp coverage includes income benefits to pay employees lost wages, medical benefits, burial benefits and death benefits.