Through Laurel Fowler Insurance
Inc. we also provide other types of insurance coverage,
not just for horses.
Homeowner's insurance covers a broad
range of losses or indemnity to people's houses and home
possessions, as well as several types of liabilities for
which homeowners might be accountable.
Homeowners insurance protects
homeowners aligned with losses from such causes as
theft, storms, and fires. In addition, homeowner's
insurance characteristically pays for additional
expenses related to home damage, such as fees for
temporary lodging at the same time the damages are
fixed. It moreover protects against frivolous lawsuits
that could crop up from ownership of the property.
usually includes a type of coverage called medical
payments. Such coverage would pay, for instance, for
damages to a guest who slipped on the steps to the door
of a house and suffered an injury. Homeowners insurance
more often than not does not cover the risks associated
with operating a home-based business, such as if a
customer is injured on the premises.
We are fortunate to represent the finest insurance
companies providing personal insurance!
Personal Auto Insurance
is insurance purchased for cars, trucks, and other
vehicles. Its primary use is to provide protection
against losses incurred as a result of traffic accidents
and against liability that could be incurred in an
If you own a car, auto insurance is not just an
option—it is a legal necessity. And you wouldn't want
it any other way. If you are involved in an accident or
have your car stolen, owning the right kind of auto
insurance can help to ease a difficult situation.
protects you against financial loss if you have an
accident. It is a contract between you and the insurance
company. You agree to pay the premium and the insurance
company agrees to pay your losses as defined in your
Liability Insurance ?
General Liability and Property Coverage are the most
basic types of commercial insurance and are limited to
liability claims of bodily injury or property damage.
General liability coverage is
provided for accidents on your premises or client
Some client contracts
also refer to these policies as Comprehensive Commercial
Liability. It is important to remember that these
policies exclude errors and omissions type claims
related to the delivery of your professional services.
General Liability policies cover 4
categories of business liability
• Bodily Injury
• Personal Injury (including Libel or
• Property Damage
• Advertising Injury
General Liability Insurance Package Policy
When you're evaluating general liability insurance,
consider a package policy such as a Business Owner's
Policy (BOP). A Business Owner's Policy combines General
Liability Insurance and Property coverage in a single
insurance policy. By combining Property and General
Liability insurance into a BOP, you may find that you
can get lower rates than you would get from two separate
We have programs for all of your
commercial insurance needs.
• Garage Keepers Packages
• Auto Dealers Packages
• Commercial Auto
• Professional Liability
• Directors and Officers Liability
• Liability and Property
And Many More!
No risk is too big or too small for
Laurel Fowler Insurance Broker, Inc.! Contact us
for all of your commercial insurance needs. There are
various types of business, and each risk is unique.
Please contact me if you have any questions. My
goal is build a lifelong trusted relationship.
Provides high limit
liability coverage that usually is over and above other
liability coverage such as auto, personal liability and
commercial general liability. This type of policy
goes over and above your underlying policy. We can
write excess liability policies for your personal and
commercial needs. Please contact us for further
insurance to cover medical care and compensation for
employees who are injured in the course of employment.
It is required by the State of California for every
employer to have.
Whether you have one employee or one
thousand employees, you must have this coverage.
Contact Laurel Fowler Insurance
Broker, Inc. for more details.
We at Laurel
Fowler Insurance Broker, Inc. have access to some of the
finest carriers for all of your bond needs. We can
help your find the following bonds:
• Performance Bonds
• Surety Bonds
• Performance Bonds
And many more!
call now for more information and application forms.
Not sure what
insurance you need
or email and we are happy to explain the different
types of insurance coverage to you.
For more information or
for a free quote, please contact
Mane Insurance Source
& Diana Humphries
This website provides only a simplified description of
coverage’s and is not a statement of contract.
Coverage may not apply in all states. When you
receive your policy please read the complete details on
coverage’s, limits, conditions, exclusions and all