Calco Commercial Insurance has committed a specialized team of licensed agents to ensure that the insurance demands of all of contractors are met.  “Understanding the policies and the risks associated with Contractors Liability Insurance is critical” says Jason Perez, Vice President at Calco Commercial Insurance.

Gulf Coast Contractors Insurance Quote

Calco Commercial Insurance offers the following types of insurance for Gulf Coast Contractors:

• Contractors Liability

• Errors and Omissions

• Pollution Liability

• Business Insurance

• Worker’s Compensation

• Product Liability Insurance

• Commercial Vehicle Insurance

About Calco Commercial Insurance Services:

Calco Commercial Insurance Services is a privately held company which provides quality (A.M. Best “A” Rated) insurance policies. As an intermediary our capabilities allow us to offer affordable and comprehensive coverage for the retail, wholesale, manufacturing, transportation, entertainment, government and professional services industries. We are pioneers in online quoting and policy delivery, interfacing with our clients via every modern avenue of electronic communication available in the 21st century. The breadth of our insuring capabilities includes both regional and global risk exposures for our domestic and international clients.

How does a chiropractor choose his E&O insurance policy?  Did you know that the limits of insurance which are purchased may or may not include defends costs in addition to the liability limits.  This means, if a case takes too long and the attorney fees and liability damages exceed your policy limits, that no additional coverage will be available.  With the policy offered through Calco Commercial Insurance Services we are able to secure a policy, which will extend the attorney fees/defense costs, equal to the liability limits.  If you have a policy limit of $1,000,000 you will also have defense costs of $1,000,000.

Policy Highlights:

A. Defense Costs are in addition to the Limit of Liability

B. Board of Examination defense coverage provided, ($30,000 sub-limit)

C. Relief doctor coverage available

D. Accusations of Sexual misconduct defense coverage ($30,000 per claim, $60,000

per policy sub-limit)

E. HIPAA coverage ($30,000 sub-limit) for improper release of patient information

F. Free Extended Reporting Period for Qualifying Retirees

G. Claims-made coverage with Prior Acts coverage available for qualified risks.

Elective ‘tail’ coverage available upon policy’s expiration

H. No forms for patients to validate coverage

I. Coverage for employees as Insureds

J. Definition of Insured includes heirs, spouses and domestic partners

Get an online quote for Chiropractors Professional Liability Insurance or call (877) 225- 2699. Policies are offered in California only.

:

1. Hull rates reduced over 50%
2. Hull deductible reduced from 5% to 2%
3. Protection & Indemnity rates reduced over 15%
4. Pollution coverage now available
5. Excess limits of $4m and $9m now available (providing total limits of $5m and 10m)
6. Owned & Rented production equipment coverage now available
7. Negative Film/Faulty Stock coverage now available

About the Program

The Calco Commercial Insurance Movie Boat program combines first class forms, competitive rates and comprehensive coverages.

The Movie Boat program provides the specialized coverages required when filming involves vessels. The program is available for a single production or series for a term up to 12 months.

Program Highlights

Calco Commercial Insurance is as leader in Movie Boat Insurance in the state of California. Get an online quote or call (877) 225-2699 and speak to a Movie Boat Specialist.

The Calco Advantage:

• Quote Online
• Buy Your Policy Online
• Annual Premiums Start at $434
• Payment Plans Available
• Workers Compensation Specialist

Some of the most common accounts which we insure in California are for independent contractors, staffing companies, employee leasing companies, aerospace, assisted living facilities, hospitals and other health care facilities, restaurants, cleaning services, aerospace and stunts companies.

Many of our clients are in Los Angeles, San Francisco, San Jose, Long Beach, Fresno, Oakland, Sacramento, Santa Ana, Fremont San Diego and other California cities.

Get an Online Insurance quote or speak to a Workers Compensation Professional at (877) 225-2699

Additional bills recently approved by the U.S. Senate Judiciary Committee and now ready for the full Senate vote include:

The Data Breach Notification Act-Bill S.139 (sponsored by Senator Dianne Feinstein). Requires U.S. agencies and businesses that engage in interstate commerce to report data breaches to victims whose personal information “has been, or is reasonably believed to have been, accessed, or acquired” without “reasonable delay.” The bill also requires that notice be provided to “major media outlets” of a state if the number of state residents affected by the breach exceeds 4,000.

Personal Data Privacy and Security Act-Bill S. 1490 (sponsored by Senator Patrick Leahy). This bill also includes notification requirements as well as tighter criminal penalties for identity theft and willful concealment of a breach. It requires businesses to implement preventive security standards against threats to their databases.

Calco Commercial Insurance Solutions Can Mitigate Your Risks. We have solutions to transfer the exposures and protect your bottom line. Obtain a cyber liability insurance quote online or call (877)225-2699.  Coverage available for companies based in California.

Until recently discounts were applied for having prior insurance coverage.  However, with changes in the insurance code and law, the insurance commissioner has banned insurers for penalizing drivers for not having prior auto insurance.

Insurance Policy Highlights:

• California Admitted Pest Control Insurance Policy
• Pollution Liability
• Fumigation Liability
• Blanket Additional Insured
• Exterminator Liability
• Care Custody & Control Coverage
• Pest Inspection Damage Liability
• Excess Liability up to $50,000,000

Obtain an online quote or call and speak to a Pest Control Insurance professionals at (877) 225-2699

136 Reasons Why Directors and Officers Need D&O Insurance:

 1. Acquiescence to conduct of fellow directors engaged in improper activities.

2. Aiding or abetting misconduct of others.

3. Insufficient attendance at director’s meetings/committee meetings.

4. Ignoring or permitting unlawful political contributions.

5. Improper oversight of internal management controls.

6. Excessive compensation arrangements and insufficient reports of compensation committees.

7. Continuing a wrongful practice after learning of its impropriety.

8. Interaction with regulatory authorities.

9. Corporate acquisition that would result in a loss of corporate assets.

10. Corporate financial delinquencies.

11. Allegations regarding possible libel or slander.

12. Not dealing responsibly with corporate debts.

13. Dishonored corporate checks.

14. Dissent from improper acts of board or committees.

15. Not documenting Executive Committee proceedings.

16. Extending credit beyond what is warranted.

17. Errors in filing annual and periodic reports.

18. Corporate payment of bribes or making illegal payments.

19. Inefficient management resulting in losses.

20. Informal dissolution or liquidation of corporation.

21. Infringement of patents, copyrights or trademarks.

22. Damaging Board or Committee minutes.

23. Misuse or nonuse of electronic data processing.

24. Incorrect monthly operational reports and financial statements.

25. Neglecting to qualify corporation in other states where it does business.

26. Receiving personal benefit or gain as a consequence of service performed as a director or officer.

27. Qualified reports of auditors/audit committee.

28. Failing to record dissent from wrongful acts in minutes.

29. Selling or transferring corporate assets for inadequate consideration.

30. Shirking responsibility.

31. Statements of corporate policy in areas that frequently generate litigation.

32. Neglecting to be inquisitive.

33. Failing to consult legal counsel, auditors, other experts and corporation’s officers and managers to

     obtain information.

34. Decisions based on inadequate information and/or without intelligent and advised judgment.

35. Ignorance of corporate books and records.

36. Neglecting to inspect corporation’s books and records when necessary to keep abreast of its activities.

37. Failing to make reasonable investigations as necessary.

38. Failing to make use of all available information.

39. Delinquent registration statements and other reports and filings.

40. Failing to use your own expertise and that of others.

41. Failing to verify facts in official documents before signing and filing them.

42. Activities in which the corporation engages beyond those permitted by its corporate powers.

43. Compensation and benefits paid to directors and officers not verified for reasonableness.

44. Failing to consult counsel for advice as to corporate powers under statutes, charter and bylaws.

45. Declaring and paying dividends beyond what is provided in corporate powers.

46. Distributing assets without adequate provision to pay or secure corporate debt.

47. Paying dividends that may be either inadequate or excessive.

48. Lack of obedience to charter and bylaw provisions.

49. Lack of awareness of conflicts of interest.

50. Conduct of fellow directors engaged in self-dealing.

51. Contracts with corporations involving self-dealing.

52. Unauthorized corporate contracts or use of corporate assets.

53. Corporate opportunities seized by directors or officers.

54. Failing to disclose personal interest in management transactions.

55. Engaging in a competitive enterprise.

56. Using inside information to obtain secret profits.

57. Various risks relating to key employees.

58. Loans by or to corporate officers, directors or shareholders as involves self-dealing.

59. Preference at expense of creditors or other shareholders.

60. Transactions between corporations having common directors.

61. Transactions with other entities in which an officer or director is interested.

62. Incorrect determination whether an antitakeover measure is reasonable in relation to the threat imposed.

63. Anti-takeover measures implemented by a board lacking a good faith and reasonable investigation

     to determine the existence of a danger to the corporation’s policy and effectiveness.

64. Expenditure of corporate funds in proxy contests as subject to directors’ duties in loyalty,

     care and diligence.

65. Breach of duties of care or loyalty to the corporation in connection with a merger.

66. Failing to treat equally those making competing acquisition offers.

67. Purchase of shares by corporation primarily to retain management in control.

68. Rejecting of acquisition offer and refusal to submit it to shareholders.

69. Breach of duty of loyalty and looting allegations in connection with sale of a controlling interest.

70. Handling of takeover bids and related matters that involve directors’ duties of care, loyalty and diligence

      to corporation and shareholders.

71. Handling of takeover threats causing a break-up of the corporation, resulting in duty of directors to

      obtain highest stock price for benefit of shareholders.

72. Liability relating to Annual Reports.

73. Section 16 filing errors.

74. Control person’s vicarious liability.

75. Deceptive representations.

76. Failure to deliver securities promptly after sale.

77. Disclosures insufficiently or improperly made.

78. Discrimination against minority shareholders.

79. Fraudulent conduct in connection with purchase or sale of security.

80. Fraudulent methods, misstatements or omissions relating to material facts.

81. Fraudulent reports, financial statements or certificates.

82. Freeze-out mergers without business purpose.

83. Insider making short sales.

84. Insider trading without disclosure of non-public information.

85. Interstate use of mails in sale of unregistered securities.

86. Material misstatements in filings, registration statements or reports to agencies.

87. Misuse of insider information.

88. Errors in prospectus and communications with investors.

89. Insufficient proxy contest filings.

90. Proxy statement liability.

91. Failure to file reports with SEC and state agencies.

92. Other SEC filings deficiencies.

93. Short swing profits in stock trading

94. Tipping by insiders.

95. Conflicts of interest.

96. Incorrect earnings forecasts.

97. Extent of board participation in improper actions.

98. Illegal payments.

99. Undisclosed material facts.

100. Illegal political contributions.

101. Misreporting pre-tax income.

102. Publicizing information as to favorable or unfavorable transactions or occurrences.

103. Inflating sales information.

104. Insufficiency of disclosures.

105. Misreporting earnings.

106. Untimely disclosures.

107. Causing corporation to incur unnecessary tax liability or penalty.

108. Failing to monitor filing of tax returns and payment of taxes.

109. Failure to obey requirements of tax laws and regulations.

110. Failure to require withholding in connection with Social Security or income taxes.

111. Failure to secure funds withheld for Social Security of income taxes.

112. Unreasonable accumulation of surplus.

113. Aiding and abetting improper actions of others.

114. Carelessness in concluding business or legal matters.

115. Commercial bribery not disclosed.

116. Consenting to improper or illegal actions resulting in losses.

117. Failing to detect and prevent embezzlement of corporate funds.

118. Failing to see what could be seen merely by looking.

119. Violation of the Federal Election Campaign Act.

120. Violation of the Federal Corrupt Practices Act of 1977.

121. Fraudulent interstate transactions.

122. Inducing corporation to commit breach of contract.

123. Inducing intentional or careless wrongdoing by corporation.

124. Ignoring statutory or regulatory requirements.

125. Insufficient monitoring or supervision of officers or other employees.

126. Non-disclosure of questionable or unlawful actions.

127. Racketeering activity.

128. Treble damages or civil fines for statutory violations.

129. Use of mails to defraud.

130. Use of wire services, telephones, radio, television or  Internet to defraud.

131. Wasting corporate assets.

132. Willful wrongdoing.

Calco Commercial Insurance Services is located in Los Angeles, California. Our capacity for D&O risks extends, localy, regionaly, nationaly, and globaly. Obtain a D&O quote online or by phone (877) 225-2699.

Company Overview:

Calco Commercial Insurance Services is a privately held company which provides quality (A.M. Best “A” Rated) insurance policies. As an intermediary our capabilities allow us to offer affordable and comprehensive coverage for the retail, wholesale, manufacturing, transportation, entertainment, government and professional services industries. We are pioneers in online quoting and policy delivery, interfacing with our clients via every modern avenue of electronic communication available in the 21st century.

Calco Commercial Insurance Services is licensed in California, Texas, New York and Florida. The breadth of our insuring capabilities includes both regional and global risk exposures for our domestic and international clients.

The CALCO Advantage:

• Quote Online
• Buy Insurance Online
• Receive Your Policy Online
• Pay Your Bill Online
• Monthly ACH Debit
• Annual Premiums from $350

Mission Statement:
Our mission is to save you money on your insurance policy without compromising coverage.

Insurance Policies:
The insurance policies we offer are individually selected and customized for each client. Whether you are a consultant, a small business owner, or control a medium to large sized company, our commercial insurance specialists can successfully arrange a customized policy to meet your needs.

Insurance Product List:
Our in-house insurance product list is very extensive. Below is a brief list of insurance products we specialize in:

• Business Owners
• Commercial Property
• Product Liability
• Professional Liability (E&O)
• Directors and Officers (D&O)
• General Liability
• Entertainment Insurance
• Truck Insurance
• Limousine/Taxi Fleets
• Commercial Vehicle
• Health Insurance
• Workers Compensation
• Health Care Liability

If you have need for a certain insurance product that is not listed above please contact us.

Can We Insure It?
At Calco Commercial Insurance we hear this question often. The answer is, YES! In addition to insuring the standard businesses such as retail establishments. We have successfully offered coverage for the hard to insure products or services.

Below is a brief list of the hard to place products or services that we insure:

• Architects & Engineering Firm With International Locations
• Biotech/Life Sciences Companies
• Children’s Products – Toys, Cribs, Car Seats, Etc.
• Choreographed Stunts Provider for the Entertainment Industry
• Clinical Trials
• Companies Requiring World Wide Coverage
• Complex Cyber Liability Contractors for the U.S. Government
• DNA Manufacturer/ Advanced Research
• Electronic Cigarette (E-Cigarettes)
• Employee Staffing Leasing Agency
• Energy Drink Manufacturer
• Exercise Video
• Import/Export Companies
• iPhone/Blackberry Application Developers
• Medical Devices
• Male Enhancement Product
• Medical Marijuana Dispensary
• Motorcycle Manufacturer
• Municipalities
• Nutraceutical Products Manufacturer
• Self – Employed Contractors
• Software and Hardware for an MRI Machine
• Software Manufacturer
• Surgical Centers
• Adult Entertainment Companies

Testimonials:

“I had been shopping for product liability insurance policy for the last three weeks. It seemed like every agent I spoke to said “I will call you back”. This obviously never happened. While at a convention in San Francisco, a vendor recommended your company. I am very pleased with the quick and affordable quote you were able to provide. Most importantly, I was not pressured into purchasing the policy. Your insurance professional took the time to understand my business. He explained my coverages and the additional options that were available to me. I wish more people were as helpful as you guys. Thank you for all your help and support!” – J.C. from San Francisco

“Thank you so much! The process was really easy.” – C.B. from Los Angeles

“Thank you for your caring attitude and attention to detail. What a night and day difference between Calco Commercial Insurance and the others that I’ve tried.” – A.C. from San Francisco

“I appreciate the fact that your company documents are not in fine print and are easy to read. I am glad your company exists.” – L.S. from San Diego

“The online quote and buy process was the easiest and most efficient thing I have done in years. I opted to have the policy emailed to me instead of mailing me a printed version. Now I can say I did my part to help the environment.” – F. W. from Sacramento

Sample List:

• Recreational Center
• Herbacutical Oil Ointment Manufacturer
• Non-Profit Organization
• Art Gallery
• Christmas Tree Lot
• Pumpkin Patch Lot
• Production Equipment Floater
• Safety Device for use in Restroom
• Tequila Manufacturer (Liquor Liability)
• Medical Device Manufacturer
• Media Liability Insurance