PREFERRED INSURANCE AGENCY
We are a Preferred Insurance Agency which means we make insurance human. Our expert agents walk you through handpicked options in the language you can understand.
Our various partners offer a full line of insurance products for you as well as your entire family. We work with multiple companies so we can find you the best quote that fits your needs and budget. Our insurance products include Auto, Home, Life, Medical, Property, Supplemental, Business, and Personal Liability. We customize a solution for you by completing a financial needs analysis and putting a plan together to assist you in reaching your goals.
BUSINESS INSURANCE
Apterian Insurance offers a range of business insurance policies for almost any type of business, including liability coverage, commercial vehicle insurance, and even cyber liability. Take a look at our selection below to get more information about the business insurance that's right for you and your organization.
Types of Business Insurance Products
Business Owners Policy (BOP)
Two coverages you need, combined in a single policy.
- Bodily injury or property damage
- Defense costs for covered liability losses
- Business furniture and equipment
General Liability Insurance/CGL
Commercial General Liability insurance can help cover your business while performing normal operations. Coverages include:
- Physical injury liability
- Property damage liability
- Lawsuits costs for covered losses
Professional Liability Insurance
From Personal Trainers to IT Consultants, you need Professional Liability Insurance (PL), also called Errors & Omissions (E&O) insurance. This coverage protects you for:
- Mistakes or advice your company makes in business
- Legal defense costs
- Services completed
Workers' Compensation
This coverage is mandatory if your business has employees. Workers’ Compensation covers a business’ employees if they’re injured at work. In general, policies cover:
- Lost wages
- Medical expenses
- Rehabilitation expenses
Medical Malpractice Insurance
Comprehensive coverage for groups and individuals working as Nurse Practitioners, Physician Assistants, Nurse Anesthetists (CRNAs), Registered Nurses, Optometrists, Physical Therapists, Yoga Instructors, Personal Trainers, Nursing Students, and other medical professionals. What’s included:
- Protection against claims of negligence
- Defense counsel costs
- Professional reputation coverage
Commercial Auto Insurance
If the driver of a vehicle uses it for their job, work or business, you need a commercial policy. You may need commercial coverage if:
- The vehicle is used to transport goods or people
- The vehicle is used to perform a service
- Employees drive the vehicle
Cyber Liability Insurance
Protects businesses from computer-related attacks, such as malware, phishing, ransomware or if a laptop with confidential information on it is stolen.
Please note: The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
Business insurance coverages are written through non-affiliated insurance companies and are secured through
PERSONAL INSURANCE
Types of Vehicle Insurance Products
At Apterian we offer insurance to our members for just about anything that moves you. Whether you’re on the road, the trail, or the water we’re here to assist you in getting the type of vehicle insurance you need.
Auto, Motorcycle, ATV (All-Terrain Vehicle), RV (Recreational Vehicle), Boat/PWC (Personal Watercraft), and Collectors Auto coverages are written through our partner insurance companies and are secured through the Apterian Insurance Agency. The information you provide will be shared with our business partners so that they can return a quote.
Auto Insurance
Car insurance covers damage to your vehicle and protects you financially if you’re liable for someone else’s injuries or damages. Auto insurance can also pay for medical bills if you or your passengers are injured in an accident or you’re hit by an uninsured or underinsured driver. Your policy protects you up to certain limits, agreed upon by you and your insurer.
Motorcycle Insurance
ATV Insurance
RV Insurance
Boat/PWC Insurance
What Is Watercraft Insurance?
Watercraft insurance is an umbrella term for three types of insurance: boat insurance, yacht insurance, and personal watercraft insurance. It protects against damage to vessels powered by a motor that has a horsepower of at least 25 miles per hour (mph).
Examples of the types of costs covered by watercraft insurance policies include physical loss or damage to the boat, theft of the boat, and towing.
Collector Auto Insurance
What is Classic/Collector Car Insurance?
There are several services and features that distinguish classic car insurance from an average insurance policy, but the most important one is agreed-value coverage.
In an agreed-value policy, you and your insurer agree on the value of the car you own, and that’s how much it’s insured for. This could be anywhere from $10,000 to $100,000 or more — it’s all dependent on what your classic car is worth, as determined by an appraiser.
The vehicle must be insured as a collector car and must meet one of the following requirements: The vehicle is at least 35 model years old. (Health and Safety Code section 44011) The vehicle is at least 25 model years old with historical vehicle license plates.
Types of Property Insurance
At Apterian our property insurance is a type of insurance policy that can provide coverage for property owners or renters. Examples of property insurance include homeowners, renters, and flood insurance policies (covered through the National Flood Insurance Program (NFIP). These policies can provide coverage for damages caused by fire, flooding, theft, weather, and other risks.
Homeowners, renters, condo/co-op, and mobile home coverages are written through our partner insurance companies and are secured through the Apterian Insurance Agency. The information you provide will be shared with our business partners so that they can return a quote.
Homeowners Insurance
What are the three types of homeowners insurance?
HO-1: Basic form insurance only offers dwelling protection.
HO-2: Broad form insurance extends beyond basic forms coverage to include personal belongings and additional perils.
HO-3: The most common type of homeowners insurance, special form insurance includes dwelling, belonging, and liability coverage
Renters Insurance
What is the meaning of renters insurance?
Renters insurance protects your personal property in a rented apartment, condo, or home from unexpected circumstances such as theft, a fire, or sewer backup damage – and will pay you for lost or damaged possessions.
Condo/Co-Op Insurance
What does co-op mean in insurance?
Cooperatives
A non-profit organization in which the same people who own the company are insured by the company. Cooperatives can be formed at a national, state, or local level and can include doctors, hospitals, and businesses as member-owners. Co-ops will offer insurance through the Marketplace
Mobile Home Insurance
What is the meaning of Mobile Home insurance?
Mobile home insurance sometimes referred to as manufactured home insurance, may cover damage to your mobile home, personal belongings, and liability claims if you’re responsible for someone else’s damages or injuries.