At Toste Insurance Services our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Whether you're shopping for auto insurance, home insurance, recreational vehicle insurance, rental/landlord insurance, or commercial/business insurance, we can help get you the best coverage for your situation, with the most competitive rate possible.
Toste Insurance Services is committed to providing clients with the highest quality insurance plans combined with some of the lowest rates available in California. Toste Insurance Services is proud to be serving the insurance needs of consumers and businesses, and look forward to developing a long-lasting relationship.
Toste Insurance Services is committed to providing clients with the highest quality insurance plans combined with some of the lowest rates available in California. Toste Insurance Services is proud to be serving the insurance needs of consumers and businesses, and look forward to developing a long-lasting relationship.
Services
A commercial property policy is designed to encompass the many different exposures of a business. It consists of not only basic coverages but also offers the option of adding additional coverages via endorsements. Endorsements allow you to add or delete coverages/exposures to an insurance policy.
Covered Property - Building and structures, completed additions, permanently installed equipment, business personal property, fixtures, tenant improvements and betterments, and exterior building glass.There are 3 types of BOP Property coverage forms. Coverage is written on an open peril (all risk) type basis.
Covered Property - Building and structures, completed additions, permanently installed equipment, business personal property, fixtures, tenant improvements and betterments, and exterior building glass.There are 3 types of BOP Property coverage forms. Coverage is written on an open peril (all risk) type basis.
Loss of business income resulting from losses covered by a Commercial Property policy, to either building(s) or business contents, can result in a reduction or complete loss of business revenues. The resulting losses can either substantially harm the business in its operations or even put a business out of business.
Builder's risk insurance is a property-only insurance policy that is designed to cover property in the course of construction. They may catch fire, be damaged by high winds, or fall victim to other insured loss elements, therefor Coverage is usually written on an all risks basis.
A principle of common law is that any new construction or other improvement to land becomes property of the owner of the land - the title holder - once there has been an "improvement" to the owner's site.Builder's risk insurance indemnifies against some of these losses. Forms are not standardized however most builders risk policies are written on inland marine form.
A principle of common law is that any new construction or other improvement to land becomes property of the owner of the land - the title holder - once there has been an "improvement" to the owner's site.Builder's risk insurance indemnifies against some of these losses. Forms are not standardized however most builders risk policies are written on inland marine form.
A crime insurance policy that is designed to meet the needs of organizations other than financial institutions (such as banks). Employee dishonesty coverage sometimes referred to as fidelity coverage provides coverage for employee theft of money, securities, or property. Forgery or alteration coverage provides coverage for loss due to dishonesty in writing, signing, or altering checks, bank drafts, and other financial instruments.
Excess liability and umbrella liability are often referred to in the same context. Both policies provide additional liability limits above the primary insurance policies (these are considered underlying coverage). The common primary policies that an excess or umbrella policy sit over are; commercial auto, general liability and employers' liability.
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