Independence Insurance Center

🛡Protect Your Passion
Why Every Small Business Needs Insurance

As a small business owner, you’ve invested time, money, and heart into building your passion. Having the right insurance is essential to help secure your future.

⛊ Covers assets against fire, theft, and natural disasters.
⛊ Protects owners against claims for property damage or injuries customers.
⛊ Covers medical expenses and wages for injured employees, shielding from lawsuits.

We understand the hard work of small business so we’re here to help you secure every step of your journey.
Contact us now!
📍 13902 Harbor Blvd Unit 2A, Garden Grove, CA 92843
📞 (714) 775-3400

Do you know all the different types of commercial insurance coverage? IIC is here to help you choose the right options. Let’s learn together!

1. Business Owners Policy (BOP) vs Commercial General Liability (CGL)
- CGL covers liability losses: bodily injury, property damage, personal and advertising injury, and medical payments. It also provides legal defense for covered claims.
- BOP includes everything in CGL plus property coverage: building, business personal property, data loss, valuable papers, accounts receivable, business income, signs, money, securities, equipment breakdown, and employee dishonesty.

2. Professional Liability (E&O)
Protects against claims of negligence, malpractice, errors, and omissions during professional services.

3. Lessor's Risk Only (LRO)
For commercial landlords, covers property damage or injuries in their building. Applies to commercial properties like apartment buildings, retail complexes, office spaces, and warehouses. Landlords must occupy less than 25% of the building.

4. Workers' Compensation (WC)
Covers medical and recovery expenses for work-related injuries and illnesses, liability expenses from lawsuits, and replacement wages for injured employees.

More than just providing services, IIC is dedicated to consumer education with the mission of providing resources to help individuals and businesses make decisions and understand the insurance challenges within the local community.

Visit us at 13902 Harbor Blvd, Unit 2A, Garden Grove, CA 92843 or call us now: (714)775-3400
iicinsurance.com