Specialty Insurance – Small Business Insurance
o Save time and money — by getting all the coverage you need through your already trustworthy insurance agents, R. David Bulen Insurance Agency.
o Enjoy peace of mind — knowing that your business is securely covered and that we’ll handle all the details and we are here when you need us.
o Improve loss control — Review our Brewery safety tips for more information on what your safety plan is missing.
o General Liability – This is the umbrella policy that protects you in the event someone slips and falls in your restaurant, gets sick after eating there (whether it was your fault or not). This is a must have in today’s sometime sue-happy world.
o Liquor Liability – Establishment holding a liquor license carry liquor liability as part of their insurance. It helps protect you and your valued business if a customer has too much to drink and drives and hurts themselves or someone else.
Landscape & Contractors Insurance
As a Landscaper or Contractor, you have unique risks that expose your business to financial loss. To minimize these risks, it is important to have a solid insurance program built around your business and its needs and goals.
Some of the recommended coverages for this profession are:
o Commercial Auto
o Equipment Floater
o Worker’s Compensation
Auto Repair & Body Shop Insurance
Local drivers depend on you for quality auto repair service to get them back on the road fast. If your business is stalled (or even shut down) due to an unfortunate incident, will your insurance help you get back in the driver’s seat quickly?
Your policy can also be customized with additional, affordable options you may need for complete coverage, such as:
o Portable Tools and Equipment
o Business Personal Property Off Premises
o Garage Liability
o Exterior Building Glass
Liability insurance is often sold in packages that combine coverage against common risks, often called “multi-peril” or “commercial package” policies. Buying such a package will usually mean lower cost than if each coverage were bought separately. Whether the organization owns a building or rents, it may find the best way to get a broad package of protections at a favorable cost is to buy
o an “owners, landlords, and tenants” policy with a “broad form comprehensive general liability” endorsement
o a “commercial general liability” coverage form
o a “business owners” policy (despite the name, it is suitable for a nonprofit organization).
Because the business owners policy includes very broad coverages at discounted rates, it may be the best choice, if available. If the organization neither rents nor owns its own premises-for example, a neighborhood association operating from members’ homes and meeting in community facilities-it may be offered a commercial general liability policy, but even if the organization has no property to insure except its records, it may pay less for more coverage with a business owners policy.
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Specialty Insurance Team
Additional Languages Spoken: Filipino
What I like about Insurance: It’s comprehensive and challenging.
Mission Statement: To be an effective and efficient customer service agent and continue to learn and grow within the insurance industry.
Certificates & Customer Service Representative (Anna’s Assistant)
What I like about Insurance: Getting a sense of accomplishment when I am able to get our clients what they need to grow their business.
Mission Statement: To provide the best service possible to all of our clients by being organized, fast and efficient.
What I like about Insurance: I like insurance because it helps to build long-term relationships with all of our clients by meeting every one where they are in need.
Mission Statement: I strive to provide the best service with complete transparency to guarantee the best insurance for you and your business. My philosophy is to treat everyone like family, and that’s exactly what you’ll be when you team up with us.
Account Manager (Greg, Jerrod, Joey, & House Q-Z)
What I like about Insurance: I love talking to clients and building relationships with them.
Mission Statement: To provide outstanding service and superior coverage to each and every one of our clients.
R. David Bulen Insurance
506 W. Graham Ave. Lake Elsinore, CA 92530
Suite 105 Commercial & Health & Benefits Insurance
Suite 102 Personal Lines Insurance
Mailing address is PO Box 115 Lake Elsinore, CA 92531
Business Hours: 8:00am-4:00pm M-F