Why Choose Us?
PROFESSIONAL
Cut-rate insurance providers are no fun – terrible coverage, service, and subpar rates. We pride ourselves on our professional service, everyday.
SAVE MONEY
Rest easy knowing you got the best rate possible. Our agents compare across all our partnered providers to find you the best coverage & rates.
SAVE TIME
Comparing insurance rates across multiple providers is stressful, time consuming, and confusing. Let us handle the search for you.
We work with top insurance companies to deliver unbeatable insurance quotes.
We shop the major insurance carriers to find you the best coverage for the best price. California commercial insurance is much more than just insuring your vehicle or business; we must calculate what liability limit you need in order to be driving around safely. Remember not all commercial insurance is created equal, so it is up to our agents to help you navigate your insurance needs. Our team will make sure you fully understand the coverages so you know what you’re buying.
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Business Owners Policy
Many small business owners mistakenly believe that if they have general liability insurance their own losses are covered, as well as the losses of their customers. But a general liability policy does not protect you when it comes to your own property. If you want to protect your own property, consider buying a Business Owners Policy (BOP).
What does it cost?
The cost of a business owners policy varies based on the size of your business, the industry you are in, your location, and the amount of coverage you need.
Deductibles – By choosing a higher deductible, you take on more of the risk. We reward this by offering you lower premiums.
Multiple product rate reduction – If you buy more than one product from Venture, we offer up to an additional 5% rate reduction.
Good risk management is rewarded – If you employ good risk management practices we'll reward you with lower rates.
Home-based businesses – If you run your business from home, we offer rate reductions of up to 10%.
coverages Available
General liability insurance which protects your business from another person or business’ claims of bodily injury, associated medical costs and damage to their property.
Property damage: You need not worry if you accidentally damage someone else’s property because we’ll cover claims of damage if you’re held legally liable. We also cover legal costs if you’re sued, without reducing your limits of liability.
Bodily injury: You’re covered if someone other than yourself, or an employee is injured at your workplace, and if you’re held legally liable. We also cover legal costs if you’re sued without reducing your limits of liability.
Personal injury: Protects you against claims of libel or slander incurred through the delivery of your professional services.
Electronic data liability: Added for consultants and technology service providers, we cover your liability for loss of someone’s electronic data resulting from the physical damage of property (e.g., an employee accidentally damages a client’s server resulting in the loss of the client's data).
Advertising injury: We protect you against the unintentional use of a third party’s advertising idea, copyright or trade slogan if it’s used as part of your advertising (press advertisement or email).
Damages to premises rented: If you rent or use a property with permission of the owner (e.g., office space or a conference facility) and cause a fire, our policy provides protection from such a liability claim.
Medical expenses: If an accident occurs and a third party is injured, your Hiscox general liability insurance policy will also cover any associated medical expenses up to $5,000 for each injured person.
Defense costs: If you’re sued, we'll appoint an attorney to defend you, if necessary. We’ll defend a lawsuit even if the claims are groundless, and we’ll pay the defense costs on your behalf without reducing your limits of liability.
Worldwide insurance coverage: We cover damages occurring in the United States, its territories and Canada. We also offer some coverage for short periods of travel outside these areas.