CMIS, Inc.

For your convenience,we have posted here an application for the C N A small firm professional liability policy for Architects & Engineers. This is one of the best available policies for these firms.

This is claims made type of coverage. When you send us your application, it is good practice to send a copy of the page in your expiring policy that shows the retroactive date. We want to preserve that date.

Be sure to print up a copy of the application after you have completed it, and sign it before you fax it to us at 818-407-3848.

The program accepts new firms as well as established firms.

We look forward to recieving your submission.

Most builders’ risks policies are treated rather perfunctory by all concerned. This could be a serious mistake in even of a loss.

The Builders’ Risks policy, often called Course of Construction Policy, insures the physical building from the time materials arrive at the jobsite until the building is completed and put to its intended use. Usually, it is written for all risks of direct physical loss, excluding earthquake and flood, which are handled by a separate policy.

We like to start by calling your attention to the named insured on the policy. Does the requested named insured include the interests of the Owner, Developer, General Contractor, Sub-Contractors, and Material Men? The prudent answer to the above question is YES. The price is the same to cover all interests.

This is a commercial automobile insurance policy covering all the business vehicles for the desired coverages—liability and physical damage.

If you have a vehicle that has a gross vehicle weight of over 10,000 pounds, you are required by law to obtain a permit from the CHP (California Highway Patrol) and Department of Motor Vehicles to use the vehicle on the roads. The law specifies minimum limits of $600,000 or more, depending on what you plan to haul. The insurer must make a filing with the Department of Motor Vehicles certifying that all of your vehicles are covered for the mandated limits or higher if you bought higher limits. Note the key word ALL vehicles. The insurer must also give the State 30 days warning before the policy can be cancelled.

Cargo insurance may be required by your permit or your contracts, or both. This is generally written as a separate policy. Tell us about what you are hauling and your trucks, and how far you are hauling it, and we can provide you with an indication of the cost of the needed cargo coverage.

We use the following form to gather information needed to provide you with a quotation for your commercial automobile needs.

Delta Dental is one of the best. You can signup online.

In recent years, Employment Practices Liability has been one of the exclusions in every general liability policy offered in America. That is because of its high loss frequency and severity having made it the subject of a separate stand alone policy form.

Several decades ago, manufacturers, contractors, and industrial plants became aware that their need for liability insurance exceeded the limits available in their basic policies. The English brokers in London promptly came up with a solution: The Bumpershoot.

Bumpershoot is, of course, the British slang for umbrella. They conceived of an excess liability policy that would extend the limits of liability for the scheduled underlying policies to the desired maximum level. The promptly took some serious money out of the American economy with this product.

American companies took notice, and within two years a number of strong players had entered the market place. Some were giant companies, some were regional companies.

Garage Liability. This policy covers your premises liability and your liability for automobiles of others you may be test driving. It also includes your product and completed operations liability. Uninsured motorists coverage can be added to the policy to round out the coverage. Garage Keepers’Legal Liability can be added to cover the cars of others in your care, custody, and control for physical damage perils.

Property Insurance covering building, equipment, and inventory.

Workers Compensation Insurance to cover the injuries your Workers suffer from job incurred accidents or illnesses. We are pleased to offer some of the more competitive rates for workers’ compensation available to the automobile repair industry.

We only offer A-rated markets. Here is our application. Please fill out this application, call 818-407-3838 and ask for Satomi.

We have access to nearly every available group insurance plan of note.

If you need personal heathcare insurance we are an authorized Blue Cross agent.

Most small manufacturers satisfy themselves with the off the shelf general liability and property policies that they can find available or affordable. The insurance industry has done a good job of packaging most needed insurance protection into commercial package policies. Often, for some industries in particular, the availability of these packaged insurance coverage is like a yo-yo, going up and down, driven by the whims of the financial markets.

Learn about our liability policy that covers the owner, general contractor and sub contractors.

Most contractors have some pollution exposure. All general liability policies have excluded pollution since the mid 1980s, making it the subject of a separate stand alone policy.

We are pleased to offer a number of professional liability products that allow online access to the application and underwriting guides directly by our customers. For example, if you are looking for Architect’s and Engineer’s Professional Liability, simply click onto the link below, and you will be taken directly to the latest version of the application which can be completed on screen and submitted for rating. The company will receive your application immediately, and we will receive a copy of what you submitted.

The hospitality business has some unique needs. Our experience with this business has been considerable over the years. Insurance applications often do not keep up with technology. For example, if your establishment has an ATM tucked away in it, be sure to tell us about it. It requires some extra attention.

Fill out our questionnaire so we can help you.

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