Motor Vehicle

• Auto Insurance
  If you are driving someone else’s car, with their permission, and have an accident, the owner’s insurance policy would apply first. Your own policy would apply if the owner of the vehicle has no auto insurance or not enough insurance to pay the damages.

Property

• Home Insurance
  A Homeowners insurance policy provides coverage for your dwelling, your personal property and your legal responsibility for damages to others.

Health and Life

• Life Insurance
  Deciding on the right type of life insurance plan requires expertise and knowledge. Life insurance policies are designed with different needs in mind, whether you are looking for temporary protection or cash accumulation. With the proper guidance and analysis of your specific needs, you will be assured to make the right decision.
• Health Insurance
  These health insurance plans provide health care services at a lower cost. However, members must adhere to certain rules designed to lower the cost of medical care.
• Disability Insurance
  If you are dependent on your income and it would cease or decline if you were to become disabled, you are a good candidate for disability insurance.
• Long Term Care
  These cover medical care, nursing care and certain in-home care if you ever become unable to care for yourself due to an extended illness or disability.
• Dental Insurance

Business

• Business Insurance
  Adel Hassan has over 20 years of experience in the insurance industry and specializes in Business insurance, Health and Life insurance. He carries a Bachelor's degree in Accounting and Business Administration, earned the Life Underwriter Training Council Fellow (LUTCF) in 1997 and is a Member of the Life Underwriters Association.
• Workers Compensation Insurance
  In California, all firms are subject to Workers Compensation statute and all are required to carry Workers Comp insurance. There are no exceptions with regard to employees however; coverage is elective for working members of a partnership.
• Commercial Liability Insurance
  Coverage is provided for claims of bodily injury or property damage liability on your premises or at your customer's location. It is important to note that coverage for physical damage you cause to a client’s computer system is typically not covered under General Liability Insurance. 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.
• Professional Liability Insurance
  Professional liability coverage, also known as Errors & Omissions insurance, protects you against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services. This might include loss of client data; software or system failure; or claims of nonperformance, fraud or negligent oversell. This is a key element in a comprehensive insurance portfolio. In the insurance industry, errors and omissions claims for computer consultants are considered "low-frequency / high-severity" claims. In other words, there are not a lot of claims filed, but the ones that are filed tend to be very expensive. It is simply good business to protect yourself and your client in the event of a serious problem.

Personal

• Liability Insurance
  If you accidentally injure someone or damage their property, you could be sued. Even though your underlying policies such as auto and homeowners may provide substantial liability limits, it is possible that damages awarded exceed those limits. An umbrella policy provides coverage for unknown or unexpected exposures as well as legal costs.

Natural Disaster

• Flood Insurance
  Offered through the National Flood Insurance Program (NFIP). For more information, a quote or to determine if you are in a flood zone, please give us a call.
• Earthquake Insurance
  An earthquake can be financially devastating to a homeowner. And although earthquakes are a real and present danger for Californians, they are typically not covered by homeowners insurance. Earthquake Insurance is written through the California Earthquake Authority.