CoreMark Works Hard to Protect Your Business

Builder’s risk insurance, also known as course of construction insurance or simply COC, is a specialized type of property insurance that helps protect buildings under construction. Builder’s risk insurance helps protect construction projects from property damage due to Fire, Lightning, Hail, Explosions, Theft, Vandalism, Acts of God, and hurricanes.

This coverage is essential and crucial so let CoreMark help you properly structure your builder’s risk to protect your next construction project.

Protecting your physical location and equipment is important for any business. That’s where business property insurance comes in. This type of business insurance, also known as commercial property insurance, helps protect the owned or rented equipment, building and personal property at your company.

This coverage can help cover the costs to repair or replace:

• Personal property located at your business
• Tools and equipment you use to operate
• Inventory stored at your office or warehouse
• Furniture, such as couches, desks, chairs and tables
• Computers you use to run your business
• Accounts receivable and other valuable documents
• Outdoor landscaping, like fences
• Business income loss

CoreMark will analyze your coverage needs and find the policy that is right for you while also making certain your limits and values are accurate as well.

Commercial auto insurance helps cover the costs of an auto accident while you or an employee uses a company-owned vehicle for business. This coverage can help pay for property damage and medical expenses – even in the event of a catastrophic injury accident. It can also pay to repair your auto if damaged.

Commercial auto insurance can help protect your business if, for example:

• An employee hits a pedestrian while driving a vehicle for business. The pedestrian requires medical treatment that results in costly medical expenses.
• You swerve off the road while driving to work in a company car.
• An employee drives to work in a company vehicle and is involved in an accident.

Finding quality drivers has never been more of a challenge than today. CoreMark’s unique quality driver program/QDP assists in not only adding qualified drivers but also helps retains drivers for the future.

Truck insurance—also referred to as truckers insurance — is a subset of business insurance, categorized under commercial vehicle insurance, and comprised of various policies to insure your truck. While you don’t necessarily need every type of coverage to protect your truck business, per federal regulations, you’re required to at least obtain liability coverage in case of accidents or third-party bodily injury (which includes damage to their personal property).

Coremark’s TruckPro program is one of the leading trucking programs in the country. CoreMark’s market access and services are second to none. Our transportation team has over 75 years of trucker insurance experience. Our knowledge is your protection.

Contract bonds help ensure that the obligations of a construction contract will be met. Commercial bonds are bonds that protect businesses and are often required depending on state laws depending on the industry.

From bid bonds to performance bonds and every bond in between, CoreMark Insurance can help you protect your business, and your reputation while staying in compliance with state and federal laws and regulations. Our agents are experienced and can guide you through finding the right business bond or contract for you.

This type of insurance covers the loss of contractor’s equipment in the event of lost, stolen, or damaged equipment while at the job site, at their place of business, or in transit.

At CoreMark, we understand stolen or damaged equipment can interrupt projects, create costly downtime, and cause embarrassing customer experiences. We work closely with our clients to accurately value and insure their equipment so an unexpected loss has minimal impact.

As businesses rely on technology, more and more risks come from that technology. These include everything from data breaches to hacking. To protect against those risks, many businesses add cyber insurance to their business insurance policies. Cyber insurance can offer broad coverages to help protect businesses from various technology-related risk such as cyber liability insurance and data breach insurance.

CoreMark will help identify the risks that your business faces and implement safeguards to prevent a data breach and help design a Cyber policy that is right for you.

Employment Practices Liability Insurance protects a business in the event that an employee sues their employer over employment-related issues.

Common examples of employee-related claims include claims relating to Discrimination, Wrongful Discharge, Sexual Harassment, Hostile Working Environment, Wrongful Termination, and Lack of Advancement. Even in the best work environments, there can be bad actors, and CoreMark want to make sure that you’re protected.

CoreMark’s team will find the right EPLI policy for you and identify property HR practices to avoid a costly lawsuit.

General Liability Insurance can provide your business a financial safety net in case you’re sued.

Let the professionals at CoreMark help find the right policy for you. Whether you are a “Main Street” business covered by a Business Owner Policy or a commercial risk that requires a Commercial Package Policy, we have the knowledge, expertise, and relationships to recommend the right coverage for you.

Installation floater insurance provides coverage for direct physical loss of personal property installed, fabricated, or erected by an insured, usually a contractor.

As a leading insurance agency of artisan and general contractors, we at CoreMark know these coverages require a high level of knowledge and expertise to ensure our clients are properly insured.

Motor Truck Cargo insurance (cargo) provides insurance on the freight or commodity hauled by a for-hire trucker. It covers the liability for cargo that is lost or damaged due to causes such as fire, collision, overturn or striking of a load.

By being a leading California agent of transportation related businesses, CoreMark’s team is familiar with the intricacies of motor truck cargo coverage. Our many years of experience allows us to find quality coverage for many difficult types of hauls from hazardous, high-value, and over-sized cargo.

Professional liability insurance, also known as errors and omissions (E&O), provides coverage for professionals and businesses to protect against claims of negligence from clients or customers. Unlike general liability, it helps cover claims of negligence, misrepresentations, breach of professional services, wrongful business practices, conflict of interest and inaccurate advice.

As a professional insurance agency ourselves, we at CoreMark understand the importance of this coverage and recommend anyone offering professional services or advising customers to also have this protection in place.

The limits of primary policies may not be enough to appropriately cover a business or an insured’s exposure. For many businesses, this limit is inadequate for real economic security. As a result, additional layers of protection in million-dollar increments are readily available in today’s insurance market for most businesses.

Here at CoreMark, not only do we have access to these markets but other specialized markets that provide broader additional limits to include your underlying commercial general and auto liability as well as employers’ liability policies.
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Workers’ Compensation insurance provides coverage that protects your employees in case of injury or disease during the course of employment. Policies can provide coverage for medical expenses, lost income or wages, rehabilitation costs, death benefits, and more.

CoreMark’s safety team is here to help you establish and implement a safety program that avoids injuries before they happen. So your employees can go home safely to their loved ones each and every day.