Salmen Insurance

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Insurance, Auto Insurance, Business & Commercial Insurance

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Today: 9:00 am - 5:00 pm

Tomorrow: 9:00 am - 5:00 pm

(760) 720-7433Call

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Map & DirectionsDirections6170 Innovation WayCarlsbad, CA 92009 Write a ReviewWrite Review

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Hours

Regular Hours

Mon - Fri:	9:00 am - 5:00 pm

Salmen Insurance

Auto Insurance
Any business which owns and operates vehicles will need to purchase commercial auto insurance. Commercial auto insurance is not only required by law, it also protects your company’s vehicular assets and protects your business from potential claim and/or law suits which could be fiscally detrimental. If your company has or uses vehicles to transport goods or people for a fee or service, if your company requires higher limits of liability, haul large amounts of weight in tools or equipment, or have employees who are, or will be, operating vehicles which are owned or in the name of your company, you will be required to carry commercial auto insurance.

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More Info

Extra Phones

Phone: (760) 536-0520

Phone: (760) 918-0694

Neighborhoods

Carlsbad, Bressi Ranch

AKA

Salmen Insurance Services

Salem Insurance Services

Categories

Insurance, Auto Insurance, Business & Commercial Insurance, Liability & Malpractice Insurance, Workers Compensation & Disability Insurance

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Details

Phone: (760) 720-7433

Address: 6170 Innovation Way, Carlsbad, CA 92009

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Salmen Insurance

Auto Insurance
Any business which owns and operates vehicles will need to purchase commercial auto insurance. Commercial auto insurance is not only required by law, it also protects your company’s vehicular assets and protects your business from potential claim and/or law suits which could be fiscally detrimental. If your company has or uses vehicles to transport goods or people for a fee or service, if your company requires higher limits of liability, haul large amounts of weight in tools or equipment, or have employees who are, or will be, operating vehicles which are owned or in the name of your company, you will be required to carry commercial auto insurance.

Workers Compensation Insurance
Our specialty is insurance for contractors of the construction trade. We are here for all your insurance needs, ranging from General Liability, Inland Marine/Tool Equipment Coverage, to Workers Compensation. We offer some of the fastest General Liability turnaround times in the entire industry. Please fill out the form above or call (888) 973-7266 for a free quote.
Professional Liability Insurance
Professional liability or E&O (errors and omissions) insurance protects a home inspector against any missed or neglected problems associated with the property during the time of the inspection. Errors and omissions insurance is a type of liability insurance which offers coverage, protection, and defense against professional advice and services provide by home inspectors from negligence and damages which may lead to a civil lawsuit. A situational example of negligence is when a home inspector fails to report or notice a damaged roof, or water damaged basement. Later after giving the inspection report which does not include these preexisting damages, the damages would be considered errors or omissions to the inspection. These damages can lead to lawsuits and/or cost associated with the damages and become the responsibility of the inspector, because he or she was negligent in their duties and services. Many small omissions and/or errors can lead to much bigger problems and very high costs, E&O insurance can help protect against these types of claims.
Builders Risk Insurance

Liability Insurance
It is important to understand the difference between a general liability and errors and omissions insurance policy for a home inspector. A general liability policy will offer a home inspector protection coverage against situations occurring at the time of inspection, or due to the inspection process, which may lead, or may have lead, to personal bodily harm or property damage. For instance, if a home inspector was using a ladder to check the condition of a roof and left the ladder standing and a child or person used said ladder and fell off and was injured, they may file a claim against the home inspector. This would be an example of a bodily injury and medical bills can be very costly. If an inspector was stepped on a water pipe while inspecting an area of the house and broke or damaged the pipe a claim could be filed to recoup the cost of the broken pipe, and if water coming from the broken pipe caused additional damage to the property this additional damage could also lead to claims and/or lawsuits against the home inspector. This type of claim would fall under property damage and depending on the extent of the damage the costs can be very extensive. These types of claims would be covered under a general liability insurance policy.

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