- Auto InsuranceCommercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car.
- Motorcycle InsuranceYour motorcycle insurance policy can include any or all of the options below. Call us today to discuss what coverage is best for you.
- Boat InsuranceDo you know what to look for in a California watercraft insurance policy? AES / SFVH can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.
- Snowmobile Insurance
- Inland Marine InsuranceWhether you need inland marine insurance to protect against risks on a daily basis or require coverage for a single move, AES / SFVH can help. Our risk-management experts can assist you in determining what amount of coverage your organization needs to protect your business interests.
- Golf Cart Insurance
- Dune Buggy Insurance
- Renters InsuranceYour renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected.
- Home InsuranceSince standard home insurance doesn't cover flooding, it's important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.
- Condo InsuranceCondominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.
- Landlord InsuranceAs a landlord, you want insurance that’s tailored specifically to protect your rental properties. A Landlord Protection policy gives you choices when purchasing the insurance coverage you need.
- Life InsuranceIt’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have....
- Business InsuranceAre you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
- Commercial Property InsuranceA basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent insurance agent, AES / SFVH can help you determine the type of insurance policy and range of coverage that is best for your business.
- Workers Compensation InsuranceAES / SFVH can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you'll see on the bottom line.
- Commercial Liability InsuranceGeneral liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. AES / SFVH recommends that all businesses have general liability coverage in place.
- Professional Liability InsuranceLiability for businesses can range from general commercial liability coverage to specialized policies such as professional liability (E&O), employment practices (EPLI), and directors and officers (D&O). Contact us today to find out what we recommend for your business.
- Liability InsuranceTo really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.
- Identity Theft Insurance
- Flood InsuranceIn 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding. Find out more about the NFIP and how it can help you protect yourself.
- Earthquake InsuranceEarthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. For many of our customers in California, earthquake insurance can be inexpensive. contact us to find out what the costs would be for your home.