How will you take advantage of our experience and expertise?
Learn more about the different insurance products and services available by hovering over the image.
GL/PROPERTY
GL/Property
This coverage protects businesses and their employees from liability claims from negligence causing bodily injury and property damage. This coverage protects the property your business owns and leases, including buildings, inventory, furniture, and fixtures.
EMPLOYMENT PRACTICES LIABILITY
Employment Practices Liability
This coverage protects your business against wrongful acts arising from the employment process such as wrongful termination, discrimination, sexual harassment, and retaliation.
Directors & Officers
Directors & Officers
This coverage (D&O) pays defense costs and damages for wrongful acts, allegations, and lawsuits brought against an organization’s board of directors and officers.
Business Crime
Business Crime
Protects your business from losses due to employee dishonesty, credit card forgery, and computer fraud and theft and disappearance.
Workers Compensation
Workers Compensation
Insurance that provides injured workers with medical care, income (or a percentage of income), and survivor benefits in cases of fatalities.
Professsional Employer Organization (PEO)
Professsional Employer Organization (PEO)
PEO’s aren’t for every company but they can help growing organizations manage compliance, payroll and offer Fortune 500 benefit programs for companies. It can be a very cost effective solution but you need to work with the right one. We work with several of the top national and regional companies.
Key Man Insurance
Key Man Insurance
This is a form of insurance that is purchased by the company to protect against a key employee being unable to perform their job due to a permanent disability or loss of life.
Safety Training
Safety Training
Working with your management team our risk manager will provide training materials, be a part of your safety meetings and provide regular walk throughs to help with compliance. In addition we provide OSHA certified training.
FLSA Review
FLSA Review
Are your employees classified correctly ie. Exempt or Non-Exempt, do you work with Independent Contractors. Labor laws change rapidly and we have the resources to make sure you are compliant.
Business Income
Business Income
This coverage covers the loss of income that a business suffers after a disaster. Includes covering the cost of the rebuilding process after the event.
Errors & Omissions
Errors & Omissions
This coverage (E&O) protects companies and individuals against claims made by customers/clients for inadequate work or negligent actions.
Cyber Liability/ EDP Insurance
Cyber Liability/EDP Insurance
Electronic Data Processing insurance covers the unique risks associated with computer operations and is very important if your business depends on computers
Commercial Auto
Commercial Auto
This coverage protects the cars, trucks, and vans used in conducting your business. Large fleets, as well as small businesses, need this insurance
Insurance Review
Insurance Review
As your business changes your insurance needs change. You can either have too much or too little or perhaps you might need some additional coverages. Our experts can provide a complementary insurance review with no strings attached.
Workers Compensation Audit
Workers Compensation Audit
Our extensive knowledge of worker’s compensation rules and regulations will help you navigate your annual premium audit. Analyzing your ex-mod, payroll classifications, exclusions and helping you prepare for the audit can ensure that the outcome is the best it can be.
Group Health
Group Health
Most companies will offer some form of group health, dental and vision coverage for their employees. It is a critical component of employee retention and morale.
Claims Concierge
Claims Concierge
Our claims manager will help you file your claim if needed and work to help your claim get processed efficiently. They are always available for a quick call or update. You can even have them on the line when you talk to your adjustor.
Sexual Harassment Training
Sexual Harassment Training
Current CA law now requires companies with more than 5 employees to provide one hour of sexual harassment training. We can deliver online, or onsite in both Spanish and English.
Employee Handbook
Employee Handbook
It is important to review your employee handbook each year by doing so you can make sure you handbook is up to date and within regulatory compliance. Remember, it is a legal document.
Why Should You Work With PIASC Insurance Services?
Works with multiple carriers, leading to competitive pricing options.
Provides in-house HR support. From training and document reviews to consultations and free time with a labor attorney.
Offers reliable customer service. As a division of a non-profit, service is our top priority.
60%
60% of customers who had purchased insurance through a direct channel 10 or more years ago switched back to an independent agent.
Source: 2013 study conducted by InsightExpress and The Hanover
40%
40% of U.S. sole proprietorships do not carry small commercial coverage.
Source: Small Commercial Insurance: A Bright Spot in the U.S. Property-Casualty Market, McKinsey & Co, 2016
Customers trust independent insurance agents: 2/3 of those who research insurance online decide to buy their coverage from an agent
Agents will help ensure you don’t become of these statistics: 60% of homeowners are underinsured.
Why Buy Local: Independent insurance agencies like PIASC contribute to the local economy as an employer, tax payer and charity contributor.
“Even after nearly 20 years of online, and now mobile, insurance experiences, U.S. consumers and small businesses trust and turn to agents more than any other channel to handle their insurance need.”
Forrester Research, Loyal Insurance Agents Drive Sales, February 2016
Safety and Risk Management
GotSafety is a provider of OSHA compliance solutions and citation defense services. They specialize in creating customized comprehensive safety program documentation, conducting safety inspections and on-site safety training, providing safety training materials, offering 24/7 safety consultation, and assisting their clients with OSHA citation defense.
Legal – Workers Comp Defense Attorney
To keep Workers Compensation costs to a minimum, you need a great claims and risk management strategy. A great attorney who specializes in WC claims is a must.
CBE Law represents clients in a wide range of defense matters, including exposure claims and complex compensability disputes. They represent employers in a variety of industries, including manufacturing, services, retail, and distribution.
401K Solutions
By the year 2022, all CA employers with more than five employees will need to offer a retirement plan for their employees. Companies can choose to work with the State-run program, called CalSavers, or they can work with a seasoned 401K Professional that can offer multiple options, educate employees and provide timely market information. Talk to Catalina Capital today to learn more about your options.
Compliance and Management Training
Traliant is a team of compliance experts, eLearning veterans, and artistic talent working together to provide a fresh approach to compliance training.
When it comes to compliance training, they have seen it all—the good, the bad and, especially, the ugly. Their mission is to deliver broadcast-quality, customizable compliance training that engages learners and improves workplace environments. We are excited to have their offerings at discounted pricing given the amount of compliance that organizations are being asked to undertake.
Payroll Funding
Having enough money for payroll is one of the biggest responsibilities as a business owner.
Payroll Funding Services offers flexible solutions to staffing companies at extremely competitive rates, tailored to fit your unique business needs. Whether you are a start up looking to get set up quickly or well established having short term challenges they can help you free up cash flow.
Tax Credits and Tax Incentives
By working with our MJA & Associates, companies can get large tax incentives. The Work Opportunity Tax Credit (WOTC) program was created to help create new jobs and to help individuals from certain target groups gain employment. The target groups include unemployed veterans, disabled veterans, food stamp recipients, designated community residents, vocational rehabilitation referrals, ex-felons, supplemental security income recipients, and long-term unemployment recipients.
Accounts Receivables Insurance
What if you could be confident in extending a larger line of credit to your customers, would you take a bigger risk and extend your cash flow.
Accounts Receivable Insurance protects a company when customers fail to pay what they owe. But this coverage does more than just maintain your balance sheet. Accounts Receivable coverage can strengthen your company by increasing your borrowing capacity and helping you expand sales and profitability.