Spoken Language: English
Business: Financial Services, Insurance
Independent Group Agency was established to provide excellence in service for your Business Insurance and Personal Insurance needs. We specialize in General liability, property, workers compensation, auto insurance and homeowners Insurance and many other areas of coverage. We believe in personal service, and attention to detail, from initial contact through follow-up, as well as providing you with competitive prices. LGA goal is to establish a long term relationship with our clients.
For over 20 years Iga has provided quality protection for hundreds of individuals, families and businesses throughout our state. Providing superior customer service and low rates along with our ability to understand our customers' coverage needs drives the success of our agency.
Independent Group Agency understands that every business and industry is unique, which is why regardless if your business is large or small, simple or complex, we have the expertise to identify the ways to properly insure the particular needs of your business. As business owners ourselves, we understand the special protection businesses need to prosper. In addition to advising you on the right business insurance policy, Independent Group Agency provides additional services, such as:
- Loss Prevention Programs - With our insurance company partners, we can evaluate your business's current conditions and recommend ways to lower property, auto, workers compensation or liability losses. Lower losses will not only lower your business insurance costs, but also increase your productivity by avoiding downtime.
- Quick Claim Response - When you do have a claim, you need fast and fair service, and as independent agents, we work to make that happen. That's why we only represent companies with excellent records for settling claims fairly and promptly.
- Competitive Rates - Many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing. To see if your business qualifies for one of these special programs, contact us for more information.
Business Insurance Products<
There are various types of commercial insurance products and coverages available. Independent Group Agency is here to help you understand which ones are best for your business. But even with so many products and coverages available, most of them fall under the following categories of business insurance.
- Commercial Auto Insurance
- Commercial Property Insurance<
- Professional Liability (E&O) Insurance
- General Liability Insurance<
- Workers’ Compensation
- Specialized Business Insurance Products
Independent Group Agency understands that a key to our success has been the ability to recognize the special risks that our customers face. That's why we can advise you on a variety of specialized business insurance products that are designed to address the unique risks of specific industries, such as:
- Feed dealers/distributors
- Fresh pack/fruit and vegetable processing
- Golf courses
- Mobile home parks
- Wholesale nurseries
Auto Insurance in Los Angeles<
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best car insurance< coverage option for you.
Insurance for all kinds of vehicles
Independent Group Agency can insure your motorcycle and boat & Jet Ski - contact us for more information today. In some states, to drive you must carry:
- Liability coverage to pay for losses you cause others, or
- No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
- Both liability and no-fault coverages.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having car insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage will cost.
Comprehensive (Other than Collision) Insurance<
Comprehensive coverage is very similar to collision coverage - the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or "act of God". Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.
If you need Los Angeles auto insurance, you need the advice of the friendly professionals at IGA Insurance. We understand that there's no way to take the unexpected out of the driving experience, but we can help protect you if you are in an accident, getting you back out on the road sooner.
If your car is destroyed by theft, fire, accident, or natural disaster, you may be looking at thousands of dollars worth of damage for something that wasn't even your fault. Without insurance, you can easily find yourself in the situation of needing to cover the cost of the damage out-of-pocket, or even the purchase price of a new, replacement vehicle.
Even the luckiest and most cautious drivers can't afford to take chances. Accidents can happen to anyone, at any time, and being prepared for the worst is often the best way to deal with the situation, should the unexpected happen. That's why we offer policies to protect drivers, their families, and their vehicles, all at affordable rates that easily fit most monthly budgets. Whether you're looking to insure a car, motorcycle, motor home, jet ski, boat, or RV, we'll take care of the business of keeping your valuable investment safe and protected, so you can hit the road without worry.
Home Insurance in Los Angeles<
Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your home insurance claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. Independent Group Agency can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored homeowner insurance coverage, quality service and fair pricing.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Depending on where you live - a house, apartment, or condo – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
California Home Insurance Policies<
California homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which insurance policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. The four types of homeowners insurance coverage are:
- Structural: Covers damage to your home or dwelling.
- Personal Belongings: Covers damage to items in or on your home or dwelling.
- Liability Protection: Covers your legal responsibility for injuries or damage to other people or property.
- Additional Living Expenses: Covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.
Structural and Personal Belongings coverages are available on an actual cash value (ACV) basis or at full replacement cost. ACV coverage considers the current market value of an item based on its age and condition. ACV coverage would depreciate the item's value to determine the current value. Full replacement cost considers the current cost to replace an item.
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video - using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your homeowners insurance policy doesn't cover damages caused by poor or deferred maintenance on your part.
Finding quality Los Angeles home insurance isn't just a good idea, it's a necessity. At IGA Insurance, we make it simple, convenient, and affordable to keep your home covered in the event of an unexpected issue. Even in the course of everyday life, a million different things can go awry, leaving you personally and financially vulnerable.
Although the loss may not be your fault, you can find yourself on the hook for expensive repairs, replacing valuable personal items, and facing legal bills if others are injured while on your property. You can even find yourself struggling to cover the costs of food, clothing, or shelter after a destructive natural disaster.
While there's no way to ensure you and your loved ones are left immune to the accidents and misfortunes that sometimes happen in life, keeping yourself prepared in case something should go wrong can save you time, money, and plenty of heartache. When you trust your family's needs to the professionals at IGA, you can rest assured that a knowledgeable, compassionate expert is always on your side, even in the worst of times.
If you need Los Angeles home insurance, you can't afford to cut corners or to choose a policy that doesn't fit your individual needs. At IGA Insurance, our experienced and highly-trained agents have decades of combined experience serving homeowners throughout Southern California, and are ready to work with you to put together a comprehensive and affordable policy that will keep you sleeping easier at night.
Whether you own your home or rent it, your family and your personal belongings should be thoroughly insured in case of accident, theft, or natural disaster. Call us today to schedule a consultation, and talk to a qualified professional about your insurance options.
Workers' Compensation Coverage Options<
Workers’ Compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.
A commonly overlooked exposure for companies who employ mostly office workers is the potential injury to employees while driving their own vehicles on company business. This could be as simple as an employee driving to a sales call, the bank or office supply store. If you have employees, it is critical that you consider this important coverage.
Independent Group Agency can help your business find complete solutions to your unique workers compensation insurance< needs. Solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you'll see on the bottom line. Some of our coverage solutions can include:
- Innovative payment systems
- Medical disability case managers
- Utilization management nurses
- Certified life care planning nurses
- Vocational rehabilitation consultants
- Physician consulting services
- Legal staff
- Contracts with medical network providers
- Managed prescription drug program
General Commercial Liability Options<
General liability is a broad commercial policy that covers general liability exposures of a business. Coverage typically includes product liability, completed operations, premises and operations, and personal and advertising injury. Independent Group Agency recommends that all businesses operating have general liability coverage in place.
The following are additional general liability coverages that are often available.
Employment Practices Liability Insurance (EPLI)<
Employment Practices Liability Insurance covers employment-related liabilities other than on the job injuries. EPLI will cover legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights.
Directors and Officers (D&O)<
D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There are a variety of D&O coverages:
- Corporate reimbursement coverage indemnifies directors and officers of the organization.
- Side-A coverage provides D&O coverage for personal liability when directors and officers are not indemnified by the firm.
- Entity coverage, for claims made specifically against the company, is also available.
D&O policies may be broadened to include coverage for employment practices liability.