Suitable Protection Plans for Your Business Needs
Insurance isn’t one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business’ unique needs are protected. We offer business and contractual advice and the most suitable protection for your business operation.
MKC Insurance Services
You are unique. Your business is different than others. Your protection should be specific. We want to listen to your needs because working together is for a better growth.
What Makes Us Different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
MKC Insurance Services is an independent insurance brokerage that assists businesses and families with property and casualty insurance needs throughout California. Whether it is a simple matter or a complex matter, our effort is consistent by working diligently for you.
By being an independent insurance brokerage, we have the access and relationships with various insurance companies to assist with the dynamic risks of your potential exposures. With MKC, you will receive a professional, transparent, and responsive insurance services in your journey. We have been mentioned as a teammate, advisor, and insurance technician by our valuable clients. From quoting, servicing, audit process, claims assistance, review of policies and contracts, or answering general questions, it is what MKC does on a daily basis.
We have partnered with some of the most reputable insurance companies that specialize in your industries. They have a long history of standing by their clients. Our relationships with the underwriters continue to strengthen in the last two decades. We will customize the protection that will fit your downstream interest and your budget.
Real clients. Real reviews. Real coverage.
“Mike Chan has been servicing all our insurance needs for over ten years. He keeps track of all due dates, shops each policy months in advance to provide us with the best choice. Mike is friendly, efficient, and extremely competent.”Valencia Self StorageBusiness Insurance Client
“I value all that Mike has handled for me regarding my insurance needs. Mike runs his company beautifully, professionally, and personally. He has always been available any time I need assistance and advice.”Sue CovePersonal Insurance Client
“Their services have been consistently top-notch. We completely trust them to have our best interest in mind, including ensuring we have adequate coverage while helping us, small business owners, and saving money.”Craig and Jessie KodishAlpha Kidz International
MKC Insurance Services Values
MKC’s value is practice on a daily basis. We are a team first brokerage that is committed to one another, our clients, and our community.
We strive to build long-term relationships with our clients through honest and quality service on a daily basis. Our clients have had a long-standing relationship with MKC and are greeted on a first-name basis.
MKC promotes and encourages a culture that supports the balance between personal life and professional career development through education and work. We embrace diversity and value consistent work ethic, ideas, and experience.
We engage in community activities to have a positive impact on the current cause at hand. We enjoy giving back and getting involved with the charities we support.
We work with our underwriters and their associates to obtain the most competitive pricing model for our clients. Our process is thorough so we can provide the most suitable policy for you.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Commercial General Liability Coverage
As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.
Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.
Commercial Property Coverage
When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Contractors' Equipment Coverage
You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.
As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.
Builders Risk and Installation Insurance
A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.
Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.
Workers’ Compensation and Employers Liability Coverage
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.
Business Auto Insurance
As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.
Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
Hold Harmless / Additional Insureds
If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.
Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.
Commercial Umbrella / Excess Insurance
Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, business auto, and directors and officers liability insurance. It provides a great safety net and helps ensure your contractor business is well protected.
Contractor Insurance 101
Make sure you cover the unique risks you face with contractor insurance.
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