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Independent Insurance Agency - Chula Vista, CA

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Full-service insurance agency specializing in top-rated customer service and the best insurance rates anywhere.

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Business Insurance Quote - Commercial Insurance Rates

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Get a Free Business Insurance Quote from our agency and start saving money today. We have the best commercial insurance rates around. See how much you can save!

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Life Insurance Quote - Term, Whole Life, Universal & More

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Get a Free Life Insurance Quote from our agency and start saving money today. We have the best life insurance rates around. See how much you can save!

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Get a Free Car Insurance Quote from our agency and start saving money today. We have the best Car insurance rates around. See how much you can save!

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Get an Annuities quote from our insurance agency and we'll find you great coverage at the lowest possible price.

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Many years ago, shopping for insurance was so time-consuming. It usually meant checking the phonebook and calling and meeting agents. Thanks to technology, however, things are so much easier...

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What You Should Do Before Buying Business Insurance

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What You Should Do Before Buying Business Insurance

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You may be wondering about what you need to prepare before getting business insurance. The preparation for this important business decision is easy when you've taken the necessary steps. Once you've done that, preparing the information you need before getting covered should be easy. Here are the things you should have ready.

The Type of Insurance your Business Needs

Your business insurance needs are unique to your company. There's no one size that fits all. Whatever industry you're in, you'll need liability coverage to protect you against the lawsuit. Other coverage types you may need include commercial auto insurance to protect the vehicles your business owns and workers' compensation insurance to pay for medical treatment and lost wages of injured employees.

Determine what coverage your business needs. Talk to your agent.

Your agent will help you determine the risks your business face. Some you may already know, while others you may not have realized until you talked to your agent. He/she shall review your insurance application and determine whether you're properly covered.

Keep in mind that your policy will have a deductible and a premium. The deductible is the money you pay before your policy covers you when making a claim. Meanwhile, the premium is the amount you pay for the coverage. Higher deductibles translate to lower premiums, but higher out-of-pocket costs. That's why it's important that you determine a deductible that you can afford in case of a covered claim.

Assess your risks yearly. Note that your liabilities can grow as your business grows as well. It wouldn't be smart not to have enough coverage in the event of a disaster. So be prepared to call your agent if you have a new equipment in place or you decide to expand your business.

Consider getting umbrella coverage. Such coverage protects your company above other liability coverage. This covers expensive claims that are more than the limits of your standard policy.

To know more about business insurance, talk to one of our agents here at Vianca's Insurance & Financial Services. We are in the business of helping individuals find the lowest rates possible for business insurance. We offer free quotes that you can get within minutes by clicking here. Discuss your options with us! Call us at (619) 799-9443 or visit us today! ​

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What You Should Do Before Buying Business Insurance

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You may be wondering about what you need to prepare before getting business insurance. The preparation for this important business decision is easy when you've taken the necessary steps. Once you've done that, preparing the information you need before getting covered should be easy. Here are the things you should have ready.

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Many Americans think that having life insurance is too expensive. This is one of the main excuses people have for not buying life insurance. If you are among the people who think life insurance is...

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Different Types of Insurance for your Restaurant

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Different Types of Insurance for your Restaurant

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When you are opening a new restaurant and you plan to purchase insurance to protect your business, choose a trusted insurance agent - on that will educate you on your policy and find you the best rates. With that, your investment will never go to waste. Depending on your location, you will need certain types of insurance for your restaurant.

Common Restaurant Insurance
Property Insurance - this is a policy that provides financial reimbursement to the owner or renter of a structure and its contents, in the event of damage or theft. So if you have a mortgage on your business, it is best to purchase this insurance policy.
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General Liability - this helps protect your business from property damage claims, bodily injury claims, and/or personal and advertising injury claims that could put your business's assets at risk. Let's say, a customer slips and injures himself in your store. The injuries result in costly medical bills and maybe even a lawsuit.

Liquor Liability - Any establishment that sells, serves, or assists in the purchase or use of liquor opens its doors for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result.

​Automobile Liability - this is a financial protection for a driver who, while operating a vehicle, harms someone else or their property. Automobile liability insurance only covers injuries or damages to third parties and their property, not to the driver or the driver's property.

​Workers Compensation - is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

​Unemployment Insurance - Workers who quit or who are self-employed are generally not eligible for unemployment insurance and must provide their own rainy-day funds to cover situations where no work is available. Unemployment insurance, for those who are eligible, is paid to workers by state governments from a fund of unemployment taxes collected from employers.

​Life Insurance - purchasing life insurance is a smart idea especially if you are thinking of you and your family's welfare. A life insurance policy will protect them from possible financial burdens in case something bad might happen to you. Also, when you are carrying a mortgage on your restaurant, it will help to satisfy your lender.

​Fire Insurance - Aside from its coverage from damage and loss to a property because of fire, it also covers the cost of replacement and repair or reconstruction above what the property insurance policy covers.

Other Restaurant Insurance
​Loss of Business Insurance - this type of policy would help you recoup your income whenever there is loss in the sales through a specific cause. But you have to remember that the premiums and deductible will depend on how much you've lost.

Food Contamination Insurance - if the food in your freezer got spoiled due to interrupted power, this policy will pay to replace your food.

Specific Peril Insurance - natural disasters like earthquakes, floods, or power outages may be covered under this insurance, which the general liability insurance doesn't cover.

Vianca's Insurance and Financial Services can help you with your insurance needs through excellent customer relations and providing you customized insurance at lower rates. Contact us today at (619) 799-9443 or visit our office. Click here to get a free quote.​

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Different Types of Insurance for your Restaurant

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When you are opening a new restaurant and you plan to purchase insurance to protect your business, choose a trusted insurance agent - on that will educate you on your policy and find you the best rates. With that, your investment will never go to waste.

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Tweets by ViancaInsurance

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"Vianca's Insurance & Financial Services is a privately-held insurance broker in Chula Vista, CA. We can help individuals and families find the lowest rates in auto, home, life, business, motorcycle and classic car Insurance by offering free quotes in minutes so you can compare rates and choose the best insurance policy for your budget.

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Vianca's Insurance & Financial Services is an independent insurance agency that specializes in auto insurance, BOP and Whole Life Insurance coverages and is located in Chula Vista. With our focus on auto insurance, we help individuals and businesses get the best coverage at the lowest rates. We are the auto insurance enrollment experts!

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Free Insurance & Financial Services Information and Education.

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Phone: (619) 799-9443
Fax: (619) 765-3199
Email: info@viancasinsurancegroup.com

Mailing Address:
737 3rd Ave Suite B
Chula Vista, CA 91910​

Agency Hours:
Weekdays: 9:00am - 5:00pm
Weekends: CLOSED

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