Insurance

OTHER INSURANCE WE OFFER

Through Laurel Fowler Insurance Broker, Inc. we also provide other types of insurance coverage, not just for horses.

HOMEOWNERS

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.

Homeowners insurance 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!
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AUTO

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 accident. 
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.

Auto insurance 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 policy.
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COMMERCIAL INSURANCE

What is General 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 locations.

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 Slander) • Property Damage • Advertising Injury

Consider a 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 policies.

We have programs for all of your commercial insurance needs. 
For example:

• Restaurant Packages • 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.

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EXCESS & UMBRELLA

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 details.

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WORKERS COMP

Provides 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.

                      

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BONDS

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:

• Contractors Bonds • Performance Bonds • Surety Bonds • Performance Bonds And many more!

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Please call now for more information and application forms.

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Not sure what insurance you need

Please call 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

info@EquineQuote.com

*Please note: 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 endorsements.