CalSunshine Insurance offers commercial coverage for your business!

We concentrate our efforts for providing commercial insurance in the part of San Diego County, California that includes the cities of San Diego, La Mesa, El Cajon, National City, Chula Vista, Spring Valley, Imperial Beach, and San Ysidro.

CalSunshine provides commercial auto & trucking insurance for many businesses in San Diego County, California. For example, we provide single vehicle or fleet business auto insurance for:

• Contractors
• Electricians
• Landscapers
• Plumbers
• and many more.

  The vehicles we cover with business auto insurance include:

• Casino Buses
• Catering trucks
• Delivery vans
• Limousines
• Passenger buses
• Shuttle vans
• Tour buses
• Towing trucks
• and many more.  

We provide commercial trucking insurance for those in Trucking & Cargo businesses in San Diego County, California. Some of the vehicles we provide Commercial Auto insurance for are:

• Dirt, Sand & Gravel Dump Trucks
• Dump trucks
• Hazardous Materials Haulers
• Refrigerated trucks
• Semi-tractor trailers (short & long haul cargo)
• Towing trucks

 For Auto Dealerships, Towing Companies, Parking Structures or lots and others who store cars we offer:

Garage Policy Coverage: The Garage policy was designed to cover the risk associated with selling, servicing, storing, or parking autos. (An auto is defined as a Land motor vehicle, trailer or semi-trailer) The Garage policy combines coverage’s for auto liability, commercial general liability and  property insurance coverage’s in one policy.

Garage-keepers Coverage:

The garage may be legally liable for loss to its customers’ autos while they are left in the garage’s care. Garage liability insurance precludes coverage for Property damage to property in the insured’s care, custody, or control; therefore, Garage keepers coverage is needed to address this exposure.

For Garage keepers coverage to apply, the loss must occur while the vehicle is in the insured’s care for servicing, repair, or other operations necessary or incidental to a garage business. Garagekeepers coverage applies on a legal liability basis ---in order for coverage to apply, the insured must be legally liable for the loss.

Garage keepers policies provides coverage for legal liability for damages to customers' vehicles that are left in the insured's care, custody or control. Covered autos for both dealer and service operations are designated as symbol 30 - 'Autos' left with you for service, repair, storage, or safekeeping. There are two coverage options available:

• Direct Primary: Provides coverage to the insured even if the loss is not the insured's fault and the insured is not legally liable.
• Legal Liability: Provides coverage to the insured only for losses which are the insured's fault and for which the insured is legally liable.

The companies/businesses that need a Garage Policy are those that are associated with the sell, repair, rent, store, park autos and its parts.

Examples: Auto repair shops, Auto Body & Paint Shops, Transmission Shops, Oil & Lube Shops, Glass sales and installation, Detail & Car Wash, Auto alarm sales and installation. Auto Sales dealers new & used, Valet parking Services, Auto Restoration, Bed Liner Installation, Horse Trailer Sales & Service, Motor Homes Sales & Service, Travel Trailer Sales & Service,  Motorcycle Sales & Service, Salvage Yards, Wrecking Yards, Tow Truck Operations, Truck Tractor Sales & Service, Van Conversion.

General Liability Insurance - Covers your legal liability for bodily injury and property damage sustained by members of the public, arising out of your business operations.

Some of the businesses we provide Commercial General Liability Insurance for in San Diego County, California are:

Apartment buildings	Carpet installers	Florists	Landscapers	Retail Stores
Auto Body Shops	Commercial RE	Food Services	Laundries	Service Stations
Auto Repair Shops	Condo Associations	Gardeners	Liquor Stores	Taco shops
Auto Dealers	Contractors	Grocery Stores	Manufacturing	Taverns
Car Wash	Dry Cleaners	Hardware Stores	Night Clubs	Wholesalers
Auto Parts Stores	Electricians	Hotels & Motels	Plumbers	Distributors
Bars	Electronic Stores	Janitorial Services	Restaurants	AND MORE!

 

RESTAURANT INSURANCE

A restaurant has a huge potential for liability claims based on several factors, but mostly because of the very nature of the restaurant business. The need for customers to be on the premises and the requirement that these customers be served food and drink. The restaurant can expect claims based on slip and falls, food poisoning, liquor liability, lack of providing a safe premises, and many other things. The Commercial General Liability  offers coverage for such occurrences. It is important for the insured restaurant to consider proper limits of insurance. There are specialty types of policies that can also be purchased.

LIQUOR (Alcohol Sales)

If the restaurant sells liquor it should purchase a Liquor Liability policy in addition to the general liability policy, or have an endorsement added to the general liability policy that deletes the liquor liability exclusion. 

VALET PARKING

If the restaurant offers valet parking services, attention should be given to possible exposure from auto liability if the autos are parked outside of the restaurant rented or owned premises. The general liability policy will not cover parking off the restaurant premises. For example, while the car is being parked down the street from the restaurant in a parking garage. 

WORKER'S COMPENSATION

Contact us for more information or Call us at 619-917-7707 and we'll give you a no-obligation quote on insurance for your business.