How will you take advantage of our experience and expertise?
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
This coverage protects your business against wrongful acts arising from the employment process such as wrongful termination, discrimination, sexual harassment, and retaliation.
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
Protects your business from losses due to employee dishonesty, credit card forgery, and computer fraud and theft and disappearance.
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)
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
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
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
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
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
This coverage (E&O) protects companies and individuals against claims made by customers/clients for inadequate work or negligent actions.
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
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
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
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
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
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
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
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% of customers who had purchased insurance through a direct channel 10 or more years ago switched back to an independent agent.
40% of U.S. sole proprietorships do not carry small commercial coverage.
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
Our Partners
You can rest easy knowing that you are protected by some of the strongest insurance companies in the market. Some of these companies have partnered with us for over 15 years. Many companies come into markets and leave and then come back again sort of like a fair weather friend. Our partners are committed to the markets we serve in good times and bad, and is the result of building long term relationships founded on trust and passion. You take advantage of that hard work when we partner together to protect your company.
