About BPIA

Visit one of the divisions of BPIA contact information

Employee Benefits

Complete insurance for your business insurance needs.

Business

Commercial insurance covers you and your business assets.

Personal

Protecting your auto, home, motorcycle, boat and more.

Kennedy Insurance Agency

Kennedy Insurance Agency

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Headquarters: 1519 So. B Street
San Mateo, CA 94402
License # OD69286
Tel: 650-341-4484
Fax: 650-341-4465

Kennedy Insurance Agency
950 S Bascom Ave., Ste 2009
San Jose, CA 95128
License #0279555
1 (408) 296-1000

Personal Lines Division
339 7th Steet Suite L
Hollister, CA 95603
Tel: 888-999-6126
Fax: 831-637-9689
United Valley Insurance

Business Insurance

There are many types of business insurance coverages. Brief descriptions of what these policies cover is detailed below. Contact us with any questions at 650-341-4484.

Businessowners Policy
Businessowners Policies combines basic coverages needed by small or midsize companies into a single policy with a single premium that generally cost less than buying insurance separately. Covered perils for property coverage include those covered under regular commercial property policies such as fire, windstorm and explosion, vandalism and theft.

General Liability
Commercial General Liability includes payments to an injured person or to an owner of property that is damaged. These can cover medical expenses and the cost of defending lawsuits, including legal settlements or investigations.

Commercial Property
Some policies cover multiple causes of loss specified in the policy such as fires, windstorm, hail, theft, vandalism and explosion. Business interruption, crime, employee dishonesty and forgery are just a few of the additional coverages that can be added to the policy

Commercial Auto
Liability coverage pays for injuries or damage due to an accident involving use of a covered auto. The insurance company also pays for legal defense costs incurred on your behalf. Medical coverage pays for an insured's medical expenses. Uninsured and underinsured coverage pays for damages with offending party is unable to pay.

Directors and Officers
The company buys coverage on behalf of its directors and officers to indemnify them against claims. Without this coverage, the personal assets of directors and officers could be at risk.

Employment Practices
Covers the costs of lawsuits brought for alleged discrimination, wrongful termination of employment, sexual harassment and breach of employment contract. It also can cover negligent evaluation, failure to hire or promote, mismanagement of employee benefit plans, wrongful discipline, deprivation of career opportunity and wrongful infliction of emotional distress.

Errors and Omissions
It insures mistakes made by a company's owners and employees. It is similar to a doctor's medical malpractice insurance. It is also known as professional liability insurance.

Cargo
Covers the damage or loss of goods during transport by air, sea or land, Covered risks can include fire, explosion, sinkings or wrecks, damage, theft delay, misconduct or piracy.

Professional Liability
This is specialty coverage. Here are a few examples of professions requiring separate professional liability: Consulting, Accounting, Legal Profession, Engineer, Financial Investment Advisor, HR Services, Software Programmers and Graphic Designers.

It is not provided in business owners policies nor is it likely to be offered as an endorsement. It protects professionals who cause harm to a client due to incompetence, errors or negligence. Legal defense costs are generally covered.

Surety Bonds
Surety Bonds are three-party contracts. The principal is the party that undertakes an obligation; pays for the insurance of a bond issued a surety company. The bond provides capital to guarantee the obligation will be performed. The obligee is the party that receives the benefit of the bond if the obligation is improperly performed.

Workers' Compensation
A system is established by state law, but the insurance is provided by commercial insurance companies or through state-run risk programs. The intent of the system is to eliminate or greatly reduce lawsuits by expediting care of an injured employee, regardless of whether the employee or employer caused the work-related injury.

Umbrella
This supplemental coverage kicks in only after liability policies have paid their maximum liability benefits. It pays the difference between actual costs and the benefits paid by the primary or underlying insurance policy.