+ 
  + 
* LOGIN
# Business Auto Insurance
## Save an average of 30% off your current business auto insurance rates!
  !!
## When Do I Need Commercial Auto Coverage?
If you have company vehicles and staff that drive on the job, you’ll need to protect your interests with a commercial auto policy.
These policies cover any type of vehicle your business may own, including:
* Company cars
* Limousines
* Delivery vans and trucks, and
* Long-haul trucks.
Leaders’ Choice has transportation industry experts that can find the right coverage for your operation – whether you have a fleet of vehicles or just a few vans or trucks. We will work with you to make sure that you also have the appropriate limits on your policy, as well as deductibles set at a level within your budget.
!
### Commercial Auto Insurance Coverage
### What is covered?
The typical commercial auto policy will cover:
* Collision damage to your vehicle, regardless of who is at fault.
* Damage to your vehicle from other damage besides an accident, such as theft, flood, vandalism, hail, fire or damage from a bird or animal.
* Liability, including third party bodily injury and property damage (another vehicle or a third party’s home or other assets) and legal expenses if you are sued as a result of an accident.
* Uninsured and underinsured motorists if they are at fault in an accident with one of your driving employees.
### Additional Coverage Options
Besides that, you can purchase additional coverages, including:
* Roadside assistance
* New vehicle replacement cost coverage
* Hired auto physical damage with loss-of-use coverage
* Auto loan or lease coverage
* Towing coverage
* Rental reimbursement if your vehicle can’t be used after an accident
### Stop Wasting Money On Your Commercial Auto insurance!
*The amount you pay for Commercial Auto insurance can vary wildly among insurance brokers.*
* We have the lowest rates available from top rated carriers.
* Low down payment.
* Get coverage the same day.
* Fast online process.
### Need Help Navigating Your Business Auto Insurance Needs?
Insurance can be painful. And too expensive. But guess what? It doesn’t have to be. That’s why Leaders’ Choice is on a mission to make it simple, transparent, and affordable.
 CALL US
### Save An Average of 30% Off Your Current Rates Today!
Stop Wasting Money On Your Business Auto Insurance! Leaders’ Choice is on a mission to make it simple, transparent, and affordable. If you need to cover more than 5 vehicles & drivers please call (866) 211-2123 or fax list to (866) 913-7036 or email to quotes@leaderschoicesinsurance.com
VIN 1 #\*
 Driver 1 Name\*
VIN 2 #
 Driver 2 Name
VIN 3 #
 Driver 3 Name
VIN 4 #
 Driver 4 Name
VIN 5 #
 Driver 5 Name
Company Name\*
 Contact Name\*
 Phone\*
How would you like to receive your quote:
 Email
 Fax
Contact Us
 !!
[700 E Street
Sacramento, CA 95814
info@leaderschoiceins.com
866.211.2123
Services
Blog
January 21, 2025
January 15, 2025
January 07, 2025
©2025 Leaders' Choice Insurance, a dba of Foundation Risk Partners, Corp. |  |  | CA License #0M93299 |
# Directors & Officers Insurance
## Save an average of 30% off your current directors & office insurance rates!
## Let Us Save You Money on Your Directors & Officers Insurance
Directors and officers liability insurance at its essence protects the assets of company directors and officers, and their spouses, in the event they are personally sued for actual or alleged wrongful acts they make while managing a company. They can be sued by employees, investors, vendors, competitors or customers.
Often when a company is sued, the plaintiffs will name individual officers in lawsuits, which if lost, can result in judgments against a company as well as those officers, putting their personal assets on the line. In those cases, D&O insurance steps in to cover a number of costs, including:
* Legal costs
* Judgments, and
* Settlements.
### Directors & Officers Insurance FAQs
While D&O insurance is usually purchased by publicly traded companies, any company that has business relationships with customers and third-party suppliers is open to a lawsuit.
### When do I need Directors & Officers Insurance?
You need Directors and Officers Liability insurance when you assemble a board of directors. They will frequently make the requirement.
Investors, especially Venture Capitalists, will also usually require that you show evidence of Directors & Officers Liability insurance as part of the conditions of funding your company.
Also having employees opens management up to employment practices lawsuits – which usually can be covered under D & O insurance.
### Why do I need Directors and Officers Liability Insurance?
First, you need Directors & Officers Insurance because claims from stockholders, employees, and clients will be made against the company, AND against the directors of the company. Since a director can be held personally responsible for acts of the company, most directors and officers will demand to be protected rather than put their personal assets at stake.
Secondly, you need Directors and Officers Insurance because investors and members of your board of directors will not be willing to risk their personal assets to serve as a corporate director or officer, no matter how heartfelt their belief in your company.
Lastly, employment practices suits constitute the single largest area of claim activity under D&O policies. Over 50% of D&O claims are employment practices.
### What coverage does Directors and Officers Liability Insurance provide?
D&O insurance would cover a number of legal actions, including:
* Breach of fiduciary duty resulting in financial losses
* Misrepresentation of company assets
* Misuse of company funds
* Fraud
* Failure to comply with workplace laws
* Theft of intellectual property
* Lack of corporate governance.
### Stop Wasting Money on Directors & Officers Insurance!
*The amount you pay for Directors & Officers Insurance can vary wildly among insurance brokers.*
### Need Help Navigating Your Directors & Officers Insurance Needs?
It is critical that these policies are written correctly. A licensed insurance expert is waiting to help you if you please call (866) 211-2123 or leave a message below.
Check coverage interested in:
 Errors & Omissions (E&O)Employment Practice Liability Insurance (EPLI)Directors and Officers (D&O)
**How would you like to receive your quote:**
 EmailFax
# General Liability Insurance
## The amount you pay for General Liability Insurance can vary wildly among insurance carriers. Here at Leaders' Choice, we look out for your bottom line.
## Save on your General Liability Insurance Coverage
General liability insurance can be purchased as a stand-alone policy or as part of a business owners policy. It is probably one of the most important policies you can buy to protect your company against serious financial risk or bankruptcy due to a lawsuit.
General liability insurance will cover your company in case it is sued by employees or third parties (such as customers, vendors or visitors to your premises) for claims that happen as a result of normal business operations. This includes:
* Bodily injuries that occur at your premises
* Bodily injuries sustained as a result of the actions or negligence of one of your employees, or your product or services
* Property damage caused by your employees or one of your products or services
* Advertising injury (damage from slander or false advertising).
The policy would pay for:
* Costs of damage
* Settlements
* Legal fees and other court costs.
!Rates will vary depending on your company’s and its industry’s exposure to risk. Leaders’ Choice has access to a number of insurance companies, some of which may specialize in your specific industry, which will often yield lower rates.
### How General Liability Works
Under a general liability insurance policy, the insurer is obligated to pay the legal costs of a business in a covered liability claim or lawsuit. Covered liability claims include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). The insurance company also covers compensatory and general damages. Punitive damages aren’t covered under general liability insurance policies because they’re considered to be punishment for intentional acts.
General liability insurance policies always state a maximum amount that the insurer will pay during the policy period. Usually these policies also list the maximum amount the insurer will pay per occurrence. For example, if a company has a $1 million occurrence cap in its liability policy and it’s successfully sued for $1.5 million, the insurer would pay $1 million and the business would be responsible for paying $500,000.
To cover these types of situations, many companies purchase umbrella liability insurance, which picks up where their general liability coverage ends. Umbrella liability covers payments that exceed their other policy’s limits, and provides additional coverage for liabilities not covered in a standard liability insurance policy.
Most insurance companies require their policyholders to report as soon as possible any accidents that could lead to a liability claim. The insurer may then require the business owner to document the situation, forward all summonses and legal notices, and cooperate fully in any investigations.
Taking precautions before an accident can help keep your liability and insurance rates down. All businesses can take certain steps to lower the chance of a liability insurance claim:
* Set a high standard for product quality control;
* Make sure all company records are complete and up-to-date;
* Be sure employees are properly trained;
* Get safety tips for your type of business from your insurance company.
### Stop Wasting Money on General Liability Insurance!
*The amount you pay for general liability insurance can vary wildly among insurance brokers.*
### Need Help Navigating Your General Liability Insurance Needs?
It is critical that these policies are written correctly.
 A licensed insurance expert is waiting to help you if you please call (866) 211-2123 or submit the form below.
 Phone Number\*
 Address\*
 Building Value If Owned
 Contents & Inventory Value
 Renewal Date
 Current Carrier
 Annual Sales
Email
# Errors & Omissions Insurance
## The amount you pay for Errors & Omissions insurance can vary wildly among insurance carriers. Here at Leaders' Choice we look out for your bottom line.
## E&O Insurance Personalized for your Business
Also known as professional liability insurance, E&O insurance covers professionals against third-party damage claims that result from the covered company’s or individual’s services.
E&O insurance protects against charges of negligence or harm, based on a professional service or advice you provided, such as allegations of:
* Misrepresentation
* Breach of professional duties
* Wrongful business practices
* Providing misleading advice, or
* Conflicts of interest.
These damages are **not** covered by a general liability policy.
### What is E&O insurance & Why is it Needed?
### What is E&O insurance?
Errors and Omissions (E&O) is the insurance that covers your company, or you individually, in the event that a client holds you responsible for a service you provided, or failed to provide, that did not have the expected or promised results. For doctors, dentists, chiropractors, etc., it is often called malpractice insurance. For lawyers, accountants, architects or engineers, it may be called professional liability. Whatever you call it, it covers you for errors (or omissions) that you have made or that the client perceives you have made.
Most E&O policies cover judgments, settlements and defense costs. Even if the allegations are found to be groundless, thousands of dollars may be needed to defend the lawsuit. They can bankrupt a smaller company or individual and have a lasting effect on the bottom line of larger companies.
 In short, E&O coverage provides protection for you in the event that an error or omission on your part has caused a financial loss for your client.
### Who needs E&O insurance?
You should consider professional liability insurance if your business provides:
* A professional service
* Regular professional advice, and/or
* Contractual services.
The best-known professionals who need E&O insurance are doctors, lawyers, accountants, architects, engineers, etc. However, less thought about individuals range from advertising agencies to commercial printers, Web hosting companies to wedding planners. If you are in the business of providing a service to your client for a fee, you have an E&O exposure. You may want to consider what will happen if the service is not done correctly or on time, and it costs your client money or harms their reputation.
### Why does my company need coverage?
To put it very simply, everyone makes mistakes. Even with the best employees and the best risk management practices in place, mistakes will be made. No one is perfect.
If a freight forwarder sends a shipment to South America instead of South Africa and it is a time sensitive shipment and their client loses a sale and, therefore, hundreds of thousands of dollars, who will pay the loss?
If a wedding planner reserves the reception hall, the band, the caterers, etc., for May 22 instead of May 29 and everyone shows up except the wedding party and guests, who pays? And imagine the emotional distress caused to the bride if this were to happen!
There is also the less tangible loss of reputation for both the professional and his client. What will the cost be to the business that now has equipment in South America instead of South Africa? Will they lose future contracts with their current client as well as future clients?
By not purchasing E&O a company can be taking a serious financial risk. These types of losses are not covered under a general liability policy. And, as stated earlier, even if you are not at fault, litigation is both time consuming and expensive.
E&O insurance covers:
* Defense costs
* Judgments
* Settlements, and
* Fines or penalties resulting from the allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest.
### Stop Wasting Money on Errors & Omissions Insurance!
*The amount you pay for Errors & Omissions Insurance can vary wildly among insurance brokers.*
### Need Help Navigating Your E&O Business Insurance Needs?
### Submit Your Quote Request Today!
Leaders’ Choice is on a mission to make it simple, transparent, and affordable.