At Toste Insurance Services our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Whether you're shopping for auto insurance, home insurance, recreational vehicle insurance, rental/landlord insurance, or commercial/business insurance, we can help get you the best coverage for your situation, with the most competitive rate possible.
Toste Insurance Services is committed to providing clients with the highest quality insurance plans combined with some of the lowest rates available in California. Toste Insurance Services is proud to be serving the insurance needs of consumers and businesses, and look forward to developing a long-lasting relationship. This badge recognizes individuals/agencies who have completed the complex garage insurance course provided by ICA\'s Insurance Sales Training & Education division.
This badge represents their commitment to the garage industry and fully understand the garage business and what can happen if a business owner doesn\'t have proper coverages.
Toste Insurance Services is committed to providing clients with the highest quality insurance plans combined with some of the lowest rates available in California. Toste Insurance Services is proud to be serving the insurance needs of consumers and businesses, and look forward to developing a long-lasting relationship. This badge recognizes individuals/agencies who have completed the complex garage insurance course provided by ICA\'s Insurance Sales Training & Education division.
This badge represents their commitment to the garage industry and fully understand the garage business and what can happen if a business owner doesn\'t have proper coverages.
Services
A commercial property policy is designed to encompass the many different exposures of a business.
It consists of not only basic coverages but also offers the option of adding additional coverages via endorsements.
Endorsements allow you to add or delete coverages/exposures to an insurance policy.
Covered Property - Building and structures, completed additions, permanently installed equipment, business personal property, fixtures, tenant improvements and betterments, and exterior building glass.
It consists of not only basic coverages but also offers the option of adding additional coverages via endorsements.
Endorsements allow you to add or delete coverages/exposures to an insurance policy.
Covered Property - Building and structures, completed additions, permanently installed equipment, business personal property, fixtures, tenant improvements and betterments, and exterior building glass.
Loss of business income resulting from losses covered by a Commercial Property policy, to either building(s) or business contents, can result in a reduction or complete loss of business revenues.
The resulting losses can either substantially harm the business in its operations or even put a business out of business.
Business Income coverage applies to losses suffered during the time required to repair or replace the damaged property.
It may also be extended to apply to loss suffered after completion of repairs for a specified period of time.
The resulting losses can either substantially harm the business in its operations or even put a business out of business.
Business Income coverage applies to losses suffered during the time required to repair or replace the damaged property.
It may also be extended to apply to loss suffered after completion of repairs for a specified period of time.
Builder's risk insurance is a property-only insurance policy that is designed to cover property in the course of construction.
They may catch fire, be damaged by high winds, or fall victim to other insured loss elements, therefor Coverage is usually written on an all risks basis.
A principle of common law is that any new construction or other improvement to land becomes property of the owner of the land - the title holder - once there has been an "improvement" to the owner's site.
Builder's risk insurance indemnifies against some of these losses.
They may catch fire, be damaged by high winds, or fall victim to other insured loss elements, therefor Coverage is usually written on an all risks basis.
A principle of common law is that any new construction or other improvement to land becomes property of the owner of the land - the title holder - once there has been an "improvement" to the owner's site.
Builder's risk insurance indemnifies against some of these losses.
A crime insurance policy that is designed to meet the needs of organizations other than financial institutions (such as banks).
Employee dishonesty coverage sometimes referred to as fidelity coverage provides coverage for employee theft of money, securities, or property.
Forgery or alteration coverage provides coverage for loss due to dishonesty in writing, signing, or altering checks, bank drafts, and other financial instruments.
Computer fraud coverage, sometimes called funds transfer fraud coverage, covers against theft of money, securities, or property by using a computer to transfer covered property from the insured's premises or bank to another person or place.
Employee dishonesty coverage sometimes referred to as fidelity coverage provides coverage for employee theft of money, securities, or property.
Forgery or alteration coverage provides coverage for loss due to dishonesty in writing, signing, or altering checks, bank drafts, and other financial instruments.
Computer fraud coverage, sometimes called funds transfer fraud coverage, covers against theft of money, securities, or property by using a computer to transfer covered property from the insured's premises or bank to another person or place.
Excess liability and umbrella liability are often referred to in the same context.
Both policies provide additional liability limits above the primary insurance policies (these are considered underlying coverage).
The common primary policies that an excess or umbrella policy sit over are; commercial auto, general liability and employers' liability.
Additional coverages may be considered for underlying coverage, subject to the carriers' guidelines.
However, the excess coverage and umbrella coverages are very different.
Both policies provide additional liability limits above the primary insurance policies (these are considered underlying coverage).
The common primary policies that an excess or umbrella policy sit over are; commercial auto, general liability and employers' liability.
Additional coverages may be considered for underlying coverage, subject to the carriers' guidelines.
However, the excess coverage and umbrella coverages are very different.
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