1. Start by identifying the insurance brokers or companies which you will contact.
2. Gather the information of the drivers and vehicles (make sure to have drivers license numbers and VIN numbers).
3. When you call or get an online quote, make sure all the liability limits and deductibles are the same.
4. Review your quotes and provide feed back to the agents which you received the quotes from.
5. Use email when communicating with the agents, doing so will help you stay organized during the shopping process.
6. Ask if the company offers online signatures, this is an easier and a faster method of securing coverage.

CALCO ADVANTAGE:

8.33% Down Plan:

If you are working with a small budget we can lower the down payment to 8.33% of the annual premium.  This means that if your policy is a $1,000 your down payment on your commercial auto policy will be $83.33.

Too Many Tickets:

What if you or your drivers have moving violations and have lost the good driver discount?  We can rate you policy just based on the vehicle and territory and will not surcharge for any moving violations.

General Liability Insurance:

Did you know that having a basic $500  general liability insurance policy can save you 25%.  If you are paying $10,000 a year on insurance 25% is $2,500.  In addition to the savings, you will the added coverage and security.

Online Signatures:

We pioneered online signatures for our commercial auto insurance program five years ago.  Our signature process is quick and simple to use.  Once you complete the signing process you receive a copy of all of your documents as well as a copy of your policy.

Vehicle Types:

We can insure any make vehicles including Toyota, Nissan, GMC, Chevy, Ford, International, and Volvo.

Liability Limits:

Our base limits start at $25,000 per claim and can be as high as $25,000,000.

Fleet Pricing:

Our specialty in commercial vehicle fleet pricing means lower premiums for your business.  We can structure a policy to fit in within your budget.

Contact Calco Commercial Insurance by phone at (877) 225-2699 for a quick quote.  You can also obtain a commercial vehicle insurance quote online from our site.

There are several steps you can take to find a reputable insurance agency.  The most important step is to check the license status.  You can always check with the Department of Insurance in your state.  The next step is to do a Google search of the agencies domain name and the agent which you are working with.  Often times you may find that the insurance agency has been black listed by a third party organization or that you may find actual reviews (hopefully positive ones).  When it comes to reviews, check the dates of the reviews, and check to make sure that it was not written by the business owner or a third party.  Should you find one bad review, you should not disqualify the broker.  Instead you should ask the broker about it.  If the broker is professional and courteous, he will likely say that it was a misunderstanding, and he or she tried their best to resolve the situation.

The Department of Insurance in California prosecutes six to twelve cases annually involving agents and brokers.  The majority of these cases are related to the agency failing to remit the consumers insurance premiums to the insurance company.  There are two reasons for their actions.  The first reason is that they had criminal intent and had no legitimate purpose of operating the insurance agency.  The second reason is when the agency owner uses your insurance premiums for personal expenses or to keep the agency operating.  This is known as commingling of trust funds and is against the law.

Sometimes when an insurance deal sounds to good to be true, then it probably _ _.  Do take insurance seriously.  Don’t have your secretary shop for and secure the policy on your behalf.  Be diligent and informed prior to buying an insurance policy, after all it is a legally binding contract.  At our agency we will never bolt on you.  We have been in business for five years and served thousands of clients.  Consumers can complete online commercial insurance application.  Our online signature process makes it very simple and fast to obtain insurance.  We are always available over the phone to provide quick and affordable quotes.

Provides indemnification in the event a of a bodily injury or property damage caused by your product.

Get Product Liability Insurance Quote

How much does it cost?

The cost varies depending on the product.  Annual premiums start from $450.

Do I need to purchase Product Liability Insurance?

If you manufacture or import a product, and the product is sold to the public, you should consider this coverage.

How to obtain a quote?

You can start your product liability insurance quote online or call (877) 225-2699

Our General Liability policy offers Product Liability, Advertising, and Personal Injury coverage.  As the first and only company to specialize in electronic cigarette insurance, we provide the most comprehensive insurance policies available.

Call for Quick Quote (877) 225-2699

WARNING:  If you receive a quote from another company which is too good to be true, then you are being offered a policy which excludes Product Liability, or excludes electronic cigarettes, or your business is being completely misclassified.  Our clients have received offers for $800.  We gave them instructions, and they requested the policy specimens from the soliciting brokers.  Upon review of the policy specimens and documents, the exclusions were identified.  The policy was nothing more than a premises liability policy, which is required by a landlord if you are leasing an office space.  It would of provided coverage for a slip and fall claim.  The saying is old but true “If it’s too good to be true, then it probably is”.

Speak to a licensed specialist who can answer all of your questions, and help you select the right coverage.  Call (877) 225-2699 for a quick Electronic Cigarette Insurance Quote.

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.

Frequently Asked Questions:

 Q.  What is Product Liability Insurance?

Start Your Product Liability Insurance Quote

A.  Product Liability Insurance provide coverage for bodily injury and property damage caused by your product.

Q.  Does Product Liability cover Product Recall Insurance.

A.  No Product Recall Insurance covers the expenses associated with removing the product from the store shelves and households.

Q.  How much Product Liability Insurance coverage should I buy?

A.  Your should by as much as you can afford, with a minimum of $1,000,000 per claim and a $2,000,000 aggregate limit.

Q.  I don’t think anyone will sue me.  Do I really need Product Liability Insurance?

A.  Having a policy in force is like having an attorney on retainer at a very low cost.  Consider this fact, in most cases the product is found not to be the problem, it’s the end user.  However, the cost to defend against frivolous law suits averages $25,000 – without going to court.

Q.  Does your company offer payment plans or is the annual premium required to be paid in full?

A.  Payment plans are always available.

Q.  What type of products does CALCO insure?

A.  We can insure any type of products.  Some of the products which we have insured in the past have been: vitamins, pharmaceuticals, motorcycles, surgical equipment, cranes, electronic cigarettes, electronic devices, firearms, military applications, sports/exercise equipment, food manufacturers, adult novelty/sex toys, and many other classes.

Q.  How much does Product Liability cost?

A.  We are very flexible with our underwriting.  Most classes of business fall withing our minimum premium of $450.

Q.  Can I buy an Product Liability Insurance online?

A.  You can quote, buy, and print your policy.  If you have any questions you can always call us for assistance at (877) 225-2699

 Q.  Where is your office located?

A.  Calco Commercial Insurance is located in Los Angeles, CA.

Calco Commercial Insurance meets or exceeds the 11 requirements for Mobile Food Vendors.

Start Your Quote

Here are the 11 Requirements:

1. Certificate must be listed on an Acord form.
2. The insurance company must be licensed in the State of California or have an A.M Best rating of A-VII or better
3. The city must be listed as a “Certificate Holder” as well as an “Additional Insured” on the Commercial General Liability Policy and the Commercial Auto Policy.  It should name the City of Sacramento, its officials, agents, employees & volunteers.
4. Vehicle Identification Number must be listed on the Certificate.
5. The City of Sacramento does not accept California Assigned Risk until it is accepted by a valid insurance company.
6. The Certificate must list a valid policy number. “TBD”, “To follow” will not be acceptable.
7. The City of Sacramento required a 30-day written notice of cancellation to be designated on the certificate of insurance.
8. The certificate must be signed by a legitimate agent.
9. The issue date must be provided on the certificate of insurance as well as the policy effective and expiration dates.
10. The amount of insurance must meet or exceed the City Code Section 5.68.060 which requires $1,000,000 for Commercial General Liability and $1,000,000 for Auto Liability.
11. The business or company name be listed as well as an DBA’s.

Low Rates, Same-Day Quotes!

Eligible Mobile Game Business Operations: 

Start your Video Game Truck Insurance Quote. Call (877) 225-2699

Trailers, Vans, Motor homes, Buses,  Trucks and any other type of mobile gaming business.

Commercial General Liability:

Commercial Vehicle Liability:

Our in-house commercial auto program is the most competitive and is issued based on the specific needs of Mobile Game Truck Operators.  We offer liability limits up to $1,500,000 and can can provide the MCP filings.  Call (877) 225-2699 to obtain a quick commercial vehicle quote for your Mobile Video Game Truck Insurance.

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.

Non-renewal means that a company has refused to renew your policy for the following reasons:

Product Liability Insurance Quote for E-Cigarettes

1. The re-insurance company is disapproving the electronic cigarette line of business
2. The underwriter who put the program together may have left the company
3. Unexpected spike in claims
4. Recurring delinquency of installment payments
5. Policy which was offered was too broad in coverage and under priced
6. Insurance company has raised it’s minimum premiums to and is only interested in insuring large accounts

Calco Commercial Insurance is the first and only company to specialize in Product Liability Insurance and Product Recall Insurance for electronic cigarettes.  We insure; manufacturers, importers, wholesalers, distributors, and retailers.  Coverage is offered to any company, regardless of where the product was manufactured.

The CALCO Advantage:

1. Our structured policy offers World Wide Coverage and limits up to $10,000,000.
2. Small Premiums
3. Low Down Payment
4. Low monthly installments, with a generous grace period
5. We can review your policy and point out the major gaps in coverage at no cost to you

Trust a company which specializes in Product Liability Insurance for Electronic Cigarettes (e-cigarettes).  The e-cigarette business model is always evolving, as such we are up to date with trends and changes in your industry.  Contact us toll free at (877)225-2699 to obtain a electronic cigarette insurance quote in 5-minutes.

Average Annual Rate:      $498.00

Avg. Monthly Payment:     $37.86

Recycling Insurance Quote

Coverage:

Other available coverages are workers compensation, pollution, crime, and commercial auto.  Call us toll free at (877) 225-2699 or get an online recycling insurance quote.  Calco Commercial Insurance  is a leader in the Recycling Insurance industry.  We focus on our client and are always improving coverage and lowering premiums.  Currently, we offer insurance in Los Angeles, San Francisco, Sacramento, San Diego and all the other cities in California.  The states which are coming soon are Texas, Florida, Georgia, and New York.

Deal direct! Access Lower Rates and Flexible payment plan by starting your Catering Truck Insurance quote now!

Commercial Auto Liability Coverage Highlights:

Catering Insurance Quote Start Your Quote Now

• No Charge for Moving Violations/Tickets
• Liability starts from $425 Annually
• Full Coverage starts from $617 (Liability and Comp/Collision)
  
• 25% Discount Available for accounts with General Liability
• Rate is not based on the Drivers Age
• Rate is not based on the Driving Experience
• We rate based on Vehicle Value and Territory
• Start your Catering Truck Auto Liability Quote now!

General Liability Insurance Policy Highlights:

• Annual premiums start from $500
• Exclusive Food Vendor Program
• Unlimited Additional Insured Endorsements
• Unlimited Certificates of Insurance
• Access to Experienced Underwriters
• Start your Catering Truck General Liability Insurance Quote now!

Workers Compensation Insurance Policy Highlights:

• Annual Premium from $250
• Required by Law
• Start you Catering Truck Workers Compensation Insurance Quote now!

Obtain a new quote for your Catering Truck Insurance business.  Calco Commercial Insurance offers fast, reliable, and affordable insurance coverage.  Many of our clients are in California are in Los Angeles, Sacramento, San Diego,  San Fransisco, San Jose, and other cities.  Call (877) 225-2699 and Speak to a Catering Truck Specialist or get an online catering truck insurance quote.