ONYX Financial & Insurance Services
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ONYX Financial & Insurance Services
Thank you guys so much. We are so happy we switched insurance brokers and combined all of our insurance with your company. You have made our job so much easier. We are very appreciative for all that you do. We had been with one insurance broker since we opened our doors over 8 years ago. We were reluctant to make a change when your company was first referred to us by one of our business partners.

However, now that we have been on board with ONYX for over a year, we are very happy we made the change. The service you provide has saved us a significant amount of time & stress. As you know, we have many "Additional Insured" requests. Many of which are quite complicated. Your Customer Service Department, Tina in particular, goes above and beyond the call of duty to see that each request is met down to the last detail.

We truly look to ONYX as an extension of our company and not just an insurance broker. Again, thank you for making my days more enjoyable! I've been a client since 2006. Our ONYX agent explained options about general liability insurance that other brokers had never mentioned.
Services
ONYX Financial & Insurance Services is an independent insurance broker.
We service both individuals and business.
Because we are licensed and bonded to sell both surplus lines and admitted lines, we have access to the most competitive solutions in the industry.
Based in San Diego county, we are currently licensed in California, Colorado, Texas, Nevada, and Iowa.
We are continually opening up new markets.
No matter what your insurance needs or where you live, we'd like to talk to you!
ONYX's commitment to all of our clients is to work under a set of common values that begin with honesty, integrity, and an unwavering commitment to excellence.
Insurance is normally written for a specified amount on the building and applies only in the course of construction.
Coverage customarily includes fire and extended coverage and vandalism and malicious mischief.
Builders risk coverage can be extended to a special form as well.
The builders risk policy also may include coverage for items in transit to the construction site (up to a certain percentage of value) and items stored at the site.
Commercial Auto Insurance - A vehicle insurance policy that provides financial protection for business vehicles and its drivers.
Commercial Auto Insurance is a vehicle insurance policy that provides financial protection for business vehicles and its drivers.
Employees involved in on-the-job collisions will receive coverage for medical injuries as well, regardless of fault.
Commercial vehicles are any vehicles and trailers that a business or company uses to transport job-related materials, goods or equipment.
Work vehicles have insurance premiums paid for by the company, unlike policies for personal vehicles that the vehicle owner pays for.
If you are a contractor and you provide written plans such as landscape design or if you offer services such as Construction Management or survey reports, then you need E & O insurance.
E & O is coverage for liability resulting from errors or omissions in the performance of professional duties.
Insurance brokers, like ONYX, carry E & O insurance.
So do attorneys and accountants.
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Coverage that applies on top of underlying insurance that is primary, i.e., that pays until its coverage limit is exhausted at which point the excess coverage takes over.
For instance, the standard General Liability (GL) policy for a contractor is $1 million per occurrence and $2 million aggregate.
You might be asked to bid on a job that requires $4 million for that particular project.
Therefore, you will need to purchase an excess policy in the amount of $3 million.
The carrier offering the Excess coverage will want to know the information about your underlying $1 million policy.
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