At The Warner Twins Insurance Services, LLC, your business is our priority.
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ABOUT US
Who We Are
At The Warner Twins Insurance Services, LLC, our guiding principle is “Together We Thrive,” recognizing that the prosperity of your business translates to ours as well. We view your business as our own, with a commitment to understanding and addressing your needs.
Our experienced team of professionals is dedicated to finding insurance solutions that align with your business needs. We have a range of insurance products designed to meet your diverse circumstances.
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SERVICES
The Solution to Your Insurance Needs
The Warner Twins Insurance Services, LLC offers a variety of business insurance, and insurance by industry solutions to help you protect what matters most.
General Liability
Offers protection for a business against bodily injury, personal injury, and property damage resulting from the business’s operations, products, or incidents on its premises.
Contractors Bonds
In case the contracted party fails to fulfill its obligations per the agreed terms, the contract owner can make a claim against the bond to recover financial losses or in accordance with a specified provision.
Workers Compensation
For businesses with employees, this provides essential coverage for medical expenses and lost wages in the event of a workplace accident. Don’t overlook protecting yourself as a business owner.
OUR AFFILIATES
We Partner with Top Rated Insurance Affiliates
“I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel.”
Maya Angelou
QUESTIONS AND ANSWERS
Frequently Asked Questions
Do I need workers comp if I don't have employees?
In California, there are a couple contractors codes that require workers comp regardless if you have employees or not. Those industries are: C-39 roofers, C-8 concrete contractors, C-20 HCAV, C-22 Abestos Abatement, and C-61/D-49 Tree Services. With or without employees, these businesses must carry workers comp. Any other businesses without employees are considered exempt from having to carry workers comp.
Why would I need a commercial auto policy if I don't have a fleet of vehicles?
A personal auto policy will not cover your business in the case of an accident. If you are using your vehicle for both personal and business use, you can add it to your personal auto policy and it should be covered under that policy. BUT if the person you hit decides they want to sue your business, the personal auto insurance would not be covered cover. Another reason is that most government or city jobs will want to see proof of commercial auto insurance of $1 million limits to win the bid for the job. Personal auto insurance doesn’t typically offer coverage that high.
How can I grasp all the necessary insurance information for my small business?
You have a lot on your plate as a small business owner—marketing, finances, hiring, compliance, and the actual job. Let us help. Call us for a chat, and we’ll analyze your needs, explaining coverage in a way that makes sense for you. We’re not just agents; we’re educators.
Liability Coverage
Risk Factor
Being involved in a covered accident can result in legal exposures and damages, potentially leading to costly legal battles and financial liabilities.
Solution
Liability Coverage protects you from costs like legal liability, accident-related injuries, or accident-based damage in the event of a covered accident.
Bodily Injury Liability Coverage
Risk Factor
At-fault accidents can result in severe bodily harm to others, imposing a heavy financial burden due to medical expenses and potential legal costs.
Solution
Bodily Injury Liability Coverage can ease the financial strain by covering expenses related to bodily harm or death from an at-fault accident, typically including legal costs.
Property Damage Liability Coverage
Risk Factor
Unintentional damage to someone else's property caused by your vehicle can lead to significant repair costs and financial liability.
Solution
Property Damage Liability Coverage protects you by covering the costs if your vehicle unintentionally causes damage to another person's property.
Medical Payments Coverage
Risk Factor
Accidents can result in medical expenses for you and your passengers, regardless of who is at fault, leading to unexpected financial burdens.
Solution
Medical Payments Coverage helps pay for these medical expenses, providing financial relief after a covered accident.
Uninsured Motorist Coverage
Risk Factor
Injuries and property damage caused by uninsured or hit-and-run drivers can leave you without adequate compensation, leading to financial hardship.
Solution
Uninsured Motorist Coverage protects you from these risks, covering injuries and property damage, and often includes underinsured motorist coverage for cases where the at-fault driver's insurance is insufficient.
Comprehensive Physical Damage Coverage
Risk Factor
Non-collision incidents like theft, vandalism, flood, or fire can cause significant damage to your vehicle, resulting in expensive repairs or replacement.
Solution
Comprehensive Physical Damage Coverage compensates for such damages, offering financial protection against these non-collision risks.
Collision Coverage
Risk Factor
Collisions with other objects can cause extensive damage to your vehicle, leading to costly repairs.
Solution
Collision Coverage pays for the damage to your vehicle in the event of a collision, alleviating the financial impact of such incidents.
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TESTIMONIALS
What Our Clients Say About Us
“Stacee was the 5th agent we reached out to while searching for the proper business coverage. She was very responsive and extremely knowledgeable, which was refreshing after dealing with the others. Even though our business needs were in a new industry, Stacee was able to come through with great coverage at a reasonable price. I would definitely recommend Stacee and her network to help anyone looking for a professional process in a timely manner. Thank you, Stacee!”
Steven Sigurdson.
“Stacee is amazing! She has been our agent since we started our company in 2018 and has educated me in insurance services, guided me through the process and helped me whenever I needed it. She is always willing to help and go the extra mile for her customers. He attentiveness to her customers are genuine and I love it. :) Thank you Stacee!!!”
Marisol Carrillo.
“I would just like to say thank you to Stacee! She’s incredibly professional, reliable, and honest. As a new business owner, she definitely made the finding insurance process more easier and stress-free for myself. Stacee is very quick to reply, is knowledgeable to any questions that I had, and definitely worked hardest to find me a great quote! I would highly recommend her to all contractors that I know 10/10🙌”
Thomas Meza.
Manage Your Policies
Already a client of The Warner Twins Insurance Services, LLC? Visit our Service Center to make requests and manage your insurance.
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