Use our knowledge and experience to ensure you are optimally covered at the lowest possible price and fully in compliance with your client's contract requirements. JayFernando Insurance is an independent full service insurance and financial services agency based out of San Jose, California. What makes us unique is that we are not tied to, nor do we believe in "selling" a product from a particular insurance company just to make a few extra bucks.
That is not the way we work. What we present to you is tailored to your individual situation. We provide business insurance for start-ups, small and medium businesses, entrepreneurs, limited partnerships, S-Corps, C-Corps and not for profit organizations. Since we are independent, we shop for the best insurance coverage from the top insurance providers such as The Hartford, Philadelphia, Travelers, CNA, Zurich, USLI, and ACE just to name a few.
That is not the way we work. What we present to you is tailored to your individual situation. We provide business insurance for start-ups, small and medium businesses, entrepreneurs, limited partnerships, S-Corps, C-Corps and not for profit organizations. Since we are independent, we shop for the best insurance coverage from the top insurance providers such as The Hartford, Philadelphia, Travelers, CNA, Zurich, USLI, and ACE just to name a few.
Services
In order for you to secure the contract, your customers/clients require you to have at the minimum Business Owners Policy, Workers Comp if you have employees, Professional Liability aka Errors and Omissions -and in most cases Crime coverage aka employee dishonesty. We at Jay Fernando Insurance specialize in IT insurance for technology businesses including for self-employed individuals and IT consultants working from home.
California State law require every business to cover employees, contractors, freelancers, or even yourself by a workers compensation insurance policy. If the employee dies due to an injury at work, Workers' Comp may cover bereavement (Funeral) costs and benefits to the family of the worker. Virtually all states require Employers to buy Workers' Compensation Insurance as soon as they hire their first employee.
Our flagship product is becoming more and more important to our clients particularly in the technology sector. Even if you provided the perfect service and were 100% error-free, and according to you did not mess up, you can be still subject to a lawsuit if your customer is able to show they suffered a financial loss and somehow can connect this to the services you provided.
Today there is no business that runs without Data. We can customize an Electronic data loss protection insurance to protect your business in the event you lose all your important business information. The steady frequency at which data breaches and hacking that is taking place today you never know when you may compromise all your important data, which is why your business must be protected.
We advise most Start-ups business owners that you have to protect your business against any dishonest acts of your employees including damage to your property, fraud or theft of a client's property. The fact is employee dishonesty in high tech is prevalent. After a careful evaluation our experts would advise you to set a value for damages (per occurrence) caused by dishonest acts of your employees.
Reviews (1)
Sai Tej Kanumilli
Dec 29, 2018
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We approached Jay Fernando Insurance when we first came to California 28 years ago for our auto insurance. Since then Jay Fernando Insurance has helped us not only with our auto insurance, but also with our home and over the years, helped us with commercial insurance for our business and life insurance.
What you get when working with Jayal Fernando is his personal touch and unbiased service. He will go beyond and above to get the best possible deal and makes sure that his clients are satisfied with his service. When you work with Jayal, you get honesty, trust and your money’s worth…. and the
What you get when working with Jayal Fernando is his personal touch and unbiased service. He will go beyond and above to get the best possible deal and makes sure that his clients are satisfied with his service. When you work with Jayal, you get honesty, trust and your money’s worth…. and the
