American River Insurance Agency
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Businessowners Insurance
Quote Request

Your information is safe with us.
​This form is secure, and we only use your details to prepare your quote — never sold, never spammed.
​

    Please enter the official name of your business.
    If the primary business owner / officer has lived at the primary address for less than 2 years, entry of a previous address is required to attain the most accurate quote.
    If you are a new business, this would be your projected payroll
    12-month projected gross sales. For landlords, rent received = gross sales.
    Primary business, operations or service description.
    Max file size: 20MB
    Required for existing business
    Max file size: 20MB
    Location Information
    Office, Store, Salon, Restaurant, Clinic, Worship or Other - includes types not listed below Commercial Condo - unit must be owned by applicant Home Residence - business-based in applicant's home - no building coverage; and cannot have service or retail customer foot-traffic Kiosk, Booth, or Stand - includes mall kiosks, park concessions, farmer's market space, etc...
    Frame - exterior walls are wood or combustible materials, and may be clad with brick or stone veneer, metal, or stucco Joisted Masonry - exterior walls are masonry: adobe, brick, concrete, stone, tile or similar materials; and floors and roof are combustible Non-Combustible - exterior walls, floors, roof and all supports are metal, asbestos, gypsum, or nonflammable or slow-burning materials Masonry Non-combustible - non-combustible and uses masonry materials Modified Fire Resistant - non-combustible with one to two hours fire resistant rating Fire Resistant - non-combustible with over two hours fire resistant rating
    Tile Roof - natural slate, stone, clay, or concrete Metal Roof - aluminum, copper, or coated steel Fabricated Metal Roof - aluminum, copper, or coated steel panels that are mostly pre-cut and assembled to produce a custom steep or low slope roof Synthetic Roof - renewable products that emulate traditional wood shakes, clay tiles, and slate Solar Roof - solar cells made from semiconductors for photovoltaic effect EPDM Roof - (Ethylene Propylene Diene Monomer) is a rubber roof made of ethylene and propylene TPO Roof - Thermoplastic Polyolefin membranes are single-ply and made from ethylene propylene rubber Tar or Tar & Gravel - layers of asphalt and tar paper fastened with molten asphalt applications, laminated and covered with gravel Vegetated - green, living roof, is a roof partially or completely covered with vegetation, planted over a waterproof membrane Wood - thin wood shingles laid in overlapping rows
    If you are the sole occupant, enter total structure square feet If you are one of multiple tenants, Enter total square feet occupied by applicant's operations Do not include common hallways, stairwells or other shared space

    Coverages 

    Liability Coverage pays when an owner, employee, products, premises or services harm other people or damage their property Defense costs are provided in addition to coverage limits Coverage Limits are maximum amounts for others' injuries or damages - and are displayed as set of 3 numbers, such as: $300K / 600K / 600K - 'K' stands for thousands, and 'M,' millions 1st number: Liability "Per Occurrence" Limit - maximum amount per loss, regardless of number of people or parties claiming damages 2nd number: Liability "Aggregate" Limit - maximum amount for all losses, regardless of number of people or parties claiming damages 3rd number: "Products-Completed Operations" Limit - maximum amount for losses due to products or services that harm others
    Medical Expense Coverage pays for accidental bodily injury treatment: First aid at the time of an accident Necessary medical, surgical, X-ray and dental services, including prosthetic devices Necessary ambulance, hospital, nursing and funeral services When injuries occur on, or next to, owned or rented premises Or because of insured's operations - regardless of fault
    Building Coverage Limit is the maximum amount to replace, repair or reconstruct a similar building Replacement Cost is not the same as Real Estate Value Your Preliminary Quote: Will be priced with an initial replacement estimate You should determine the appropriate limit If your chosen limit is less than 80% of actual replacement costs, loss payments will be reduced
    Business Income Coverage pays for losses due to business interruption: Due to Covered Losses Resulting in lost net income (revenue minus ongoing expenses, before taxes) Starting 72 hours after disruption - up to 12 months Includes up to 60 days non-management payroll Also pays Extra Expenses to help minimize damage and protect property Available Limits: $100,000, $150,000 and $250,000
    Business Personal Property (BPP or Contents) Limit is the maximum amount to replace, repair or reconstruct these items with like-kind and quality Items may consist of building upgrade (aka, betterments & improvements), including: Attached fixtures Appliances or Equipment This also includes other items: Furniture PCs and Machinery Cleaning and Sales Supplies Inventory, and Signs attached to buildings A lease may require coverage for building glass and HVAC systems If a lessor or landlord, any of these items should just be included in the Building Coverage Limit

    Optional Coverages

    Damage to Premises Rented to You Coverage pays for property damage caused by fire due to negligence at premises rented by insureds.
    Cyber Suite Basic Coverage pays for: Data Compromise Response Expenses - costs to respond to personal information breaches Computer Attack - costs to repair damages to insured's data and systems from attacks Cyber Extortion - costs for investigation and response to cyber extortion threats Data Compromise Liability - cost of defense and settling others' claims for damaging personal information breaches Free Services Provided: Toll-free help line Website with tools and tips on managing cyber risks Also available in most states- Cyber Suite Enhanced Coverage - includes all above and pays for: Misdirected Payment Fraud - costs of insured's wrongful transfers Computer Fraud - costs of insured's computer fraud Network Security Liability - costs of defense and settling others' claims for damaging system security failures Electronic Media Liability - costs of defense and settling others' claims for damaging information displayed in an insured's website Available Limits: $25,000, $50,000, $100,000 & $250,000 Cyber Coverage Acceptability Rules No personal information breach in past 12 months New employee backgrounds must be screened Document retention and destruction policy must be posted Computer security must be: Regularly updated and secure Firewalls and wireless connections must have virus and ransomware protection Employee, customer and vendor physical records must be securely maintained with controlled, limited access
    Employment Practices Liability Coverage pays for claims made during the policy term for: Wrongful employment acts, including hiring or dismissal, supervision, harassment, unlawful discrimination - For both employees, and now: customers, service people or vendors, and for fellow religion worshipers Legal defense costs are included within the total limit (not above and beyond) Free Services includes a help line with employment attorney advice and human resource preventative guidance Available Limits: $25,000, $50,000, $75,000, $100,000 & $250,000
    Money & Securities Coverage protects against lost business funds due to theft, disappearance or destruction - though this does not cover accounting errors, surrendering of property, or uncounted money. Coverage Acceptability Rule: any cash over $250 must be stored in a locked, wall or floor-mounted safe Available Limits: from $2,500 to $10,000
    Employee Dishonesty Coverage pays for employee theft of money or funds If this coverage's limit is increased, then Forgery & Alterations Coverage Limit must be changed to match it Available Limits: $5,000, $10,000, $25,000 & $50,000
    Certified Acts of Terrorism Coverage, as defined in the Terrorism Risk and Insurance Act (TRIA), is provided in our policy. "TRIA" coverage may be excluded - and when excluded, non-certified terrorism (such as riots and bombings) is still covered. Excluding "TRIA" will not remove all TRIA premium because coverage remains for "fire following" in these states: CA, CT, GA, HI, IA, IL, MA, ME, MO, NJ, NY, OR, RI, VA, WA, WI, and WV Limit included within Policy Coverage Limits
    Water Back-up & Sump (Pump) Overflow Coverage pays cost of clean-up and damage due to water or material backup, overflow or discharge, and for disruption, that: Results in lost net Business Income (revenue minus ongoing expenses, before taxes) Starting 72 hours after disruption, up to 12 or optional 18 months Plus, pays up to 60 days non-management payroll Also pays Extra Expenses to help minimize damage and protect property
    Outdoor Sign Coverage pays for loss or damage to detached outdoor signs at the insured location. Value of signs attached to buildings should be included in Business Personal Property/ Contents Coverage Limit
    Hired Auto & Non-owned Auto Coverage pays damages when Coverage Acceptability Rules: Cannot buy if business has a commercial auto policy, or if they make deliveries A vehicle that is not owned, leased, hired, rented or borrowed by the business, is used for business purposes and causes damage or injury to others This specifically applies to vehicles owned by employees that are used for business Limit included within Liability Coverage Limits
    Your private information is provided exclusively to our agency and will not be redistributed or sold to anyone else.
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California License # 6003600  |  Oregon License # 3001117035  |  Washington License # 1083606 
​Arizona License # 3001419877  |  Texas License # 2812176

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Phone: 
(888) 570-1058​
Fax: 
(916) 290-7210

Email: 
[email protected]

Agency Mailing Address
333 University Ave
Suite 200
Sacramento CA, 95825
​
Agency Hours:
Monday – Friday: 9:00am to 5:00pm
Saturday & Sunday: Closed​

​Sacramento, CA Office

​333 University Avenue, ​#200,
Sacramento, CA 95825

Tacoma, WA Office

​1201 Pacific Ave #600,
​Tacoma, WA 98402
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