Insurance Services

Click on the type of insurance that you would like to see an explanation of:

Workers Compensation Directors & Officers Liability Tenant Discrimination Property & Liability EPLI Restaurant Health (Individual & Group) Life Boiler & Machinery

Course Of Construction Sales Tax Bond Disability Home Auto (Personal & Commercial) Long Term Care Earthquake (Home & Commercial) Group Dental Non-Owned Auto For Delivery

 

Workers Compensation

Cooper’s Insurance Agency provides many specialized and unique services for our Workers Compensation clients.  We do more than just provide insurance, we also provide numerous informational resources to help our clients set up and maintain a safe and Cal/OSHA-compliant workplace.  We also work with other companies to get our customers enrolled in special programs that can save thousands of dollars in premium.  All of these resources allow us to provide our customers with the most comprehensive workers compensation coverage at the lowest prices.

Cal/OSHA Safety Programs We work with our clients to help them implement and maintain Cal/OSHA compliant workplaces.  We provide our customers all the necessary and pertinent information that they need to completely comply with all applicable regulations.    AcuComp We are one of the few brokers in the state that provide this service to our customers free of charge.  This program works to lower Work Comp premiums 20% – 30%, by tracking reserves on open claims, and checking the Ex-Mod calculated by the California Workers Compensation Insurance Rating Bureau for errors.    CompPartners   Cooper’s Insurance works with this company to get our customers enrolled in HCO programs, which lower workers compensation premiums by 5%.      Safety Meetings   We set up safety meetings with Workers Compensation company representatives to recommend safety measures to implement at each restaurant we insure.  This not only reduces the chance of a Work Comp claim, but in turn, can also help lower premiums.    Posters / Video / Manuals We provide our clients with an extensive library of posters, manuals, and videos that explain and help handle Workers Compensation situations, and can be used in the training of new employees.

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EPLI
Employment Practices Liability Insurance offers employers coverage for Among other things, EPLI provides coverage for the following situations:
Sexual Harassment Wrongful Termination American's Disability Act Independent Contractors / Leased employees Defamation Intentional Infliction of Emotional Stress	Mergers All Discrimination Acts Negligent Supervision or Hiring Punitive and/or Liquidated damages Retaliatory Discharge Labor Arbitration Downsizing
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Boiler & Machinery
Boiler & Machinery insurance is mainly for businesses that Some of the equipment B&M covers are:
Electrical Equipment Mechanical Equipment Modern Office Equipment (i.e. Phone Systems)	Heating Systems & Boilers Air Conditioning & Refrigeration Systems
B&M insurance covers devices against:
Physical Damage: Cost to repair or replace equipment damaged by breakdown. Business Interruption: Business income loss due to equipment breakdown.	Extra Expense: Cost for rental equipment needed to peed up business restoration. Perishable Goods: Spoilage of foodstuffs due to equipment failure.
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Property & Liability
Property & Liability insurance protects the policyholder from The following list some of what Property & Liability insurance covers:
Liquor Liability Non-Owned & Hired Auto Garage Keepers Legal Liability Contents Income Accounts Receivable Valuable Papers Money & Securities Employee Dishonesty	Mechanical Breakdown Earthquake Sprinkler Leakage Business Owners Computer Food Spoilage Forgery Personal Property of Others Tenants Exterior Glass Water Back-up of Sewers and Drains
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