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We provide a full range of coverages for your personal insurance needs. From the first time buyer, to high valued homeowner, automobiles, and umbrellas. We will review, quote, and secure coverages for your needs.

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From the initial startup company to the publicly traded corporation, we will review, quote, and secure coverage for your business. We have found that transferring risk to an insurance company is often the most efficient way to protect your corporate assets and human resources.

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Protect the ones you love the most with the proper coverage for your needs. Everyone’s needs are unique and finding secure coverage can be stressful. Whether you want to cover your family, yourself or the people who help your business going, we’ll find the right plan for you.

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As good as your liability insurance is, it focuses on settling the potential or actual lawsuit. There is another policy provision designed to try and avoid the lawsuit altogether known as “medical payments” or “medical expenses.” It provides on-the-scene first aid coverage meant to quickly comfort the injured person and to get them immediate and effective treatment. A typical policy provision states: “We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for: (1) first aid administered at the time of an accident; (2) necessary medical, surgical, x-ray and dental services, including prosthetic devices; and (3) necessary ambulance, hospital, professional nursing and funeral services.”

Notice this language clearly illustrates both what the policy will pay for and the fact it is meant to offer it immediately. One of its best features is the “regardless of fault” provision. This means you can get the injured person’s immediate treatment bills paid promptly without any necessity to get into the often inflammatory discussion that leads to hurt feelings and lawsuits concerning who did what to whom. And since you admit no fault by offering the benefits under your medical payments, you do not prejudice in any way you or your insurance company’s ability to properly contest any lawsuit that may later seek to assign blame.

To sum up, think of client accidents as a fire breaking out. Medical payments coverage is that fire extinguisher hanging on the office wall you can use anytime to try and put out the small fires before they can turn into the big blazes. But when that fire extinguisher just isn’t going to be enough, get out of harm’s way and let the trained professionals take over—your liability coverage.

Coverages this important, like all good fire-fighting supplies, should be kept in plentiful supply! Talk to your Trusted Choice® insurance professional about making sure your liability and medical payments limits are sufficient to keep YOU from getting burned!

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San Francisco, CA 94105 - 3440
Phone: (415) 512-2100
Fax: (415) 512-1115
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