An Agency You Can Trust!
Over 20 Years of Experience in the Insurance Industry
Our agency will provide professional service to meet your insurance needs and find you the best option for the insurance solution you’re looking for.
Our Commitment To You
We are a proven insurance agency, offering the best rates available. Are you looking to reduce your business insurance cost or protect against financial loss? Look no further, we can provide you with an insurance program that is comprehensive, efficient and affordable. Our office is located in East Chula Vista/Eastlake Area.
Commercial Insurance Products
Commercial General Liability
Commercial General Liability Insurance is a foundational policy that covers basic exposures for businesses. This is coverage designed to protect you in the event that you cause bodily injury and/or property damages during the course of your normal business operations.
Workman's Compensation Insurance is something you need to think about if you have employees. Workers’ Compensation provides health benefits to employees for work related injuries, and is compulsory in many states. Our sources offer a wide variety of options.
Business Owner's Policy (BOP)
Business Owner's Policy is a good starting point when looking for commercial insurance for your business. Standard “BOPs” usually cover general liability insurance and business personal property and/or buildings.
Apartment and Commercial Property
Most businesses own a substantial amount of physical property. This property may include one or multiple locations as well as tools, computers, inventory and even accounts receivable. Commercial property insurance can help cover the loss of these assets if they are damaged or destroyed by a covered event.
Business Auto Insurance might be necessary if your business uses any type of auto. Whether it’s commercial vans, cars, or trucks, there are a number of options available for commercial vehicle coverage.
The category of artisan contractors, also known as casual contractors, includes many occupations that involve skilled work with tools at the customer’s premises. Carpenters, plumbers, electricians, roofers and tree surgeons are some of them. Also included are diverse other skilled service providers, such as interior decorators, piano tuners and exterminators.
Special insurance needs of this group include coverage for equipment and tools that are often moved around and for the value of work done for a customer until it is finished
General contractors, also known as construction managers and construction project managers, oversee building projects from inception through completion.
Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. When an insured is liable to someone, the insured's primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).
Excess Liability of $10,000,000.00
A policy issued to provide limits in excess of an underlying liability policy. The underlying liability policy can be, and often is, an umbrella liability policy. An excess liability policy is no broader than the underlying liability policy; its sole purpose is to provide additional limits of insurance.
Chris has been our go to guy for almost ten years! He is very knowledgeable, prompt, and professional. We originally met him in his San Marcos office and were sad to see Severance Insurance move, Chula Vista you are in luck!! He has helped us with all of our insurance needs including our car policy, home policy, and our commercial and business policies. We HIGHLY recommend him! Thank you for all that you do for us!
I was fortunate enough to find Severance Insurance years ago, After being over charged again by my agent at the time a friend recommended Chris, He has been my agent ever since and that was 10+ years ago. He has been able to help my with all my insurance needs from my cars to my motorcycle, a boat, a motorhome and even a commercial policy for my dump trucks with a CA filing. He always searches for the best deal he can get you with the lowest payments he can find, I can call him anytime for anything and he is always there for me certs and bindings on the same day. Severance Insurance A ++++ highly recommended.
My sister recommended Severance Insurance over a decade ago, and I encountered the best agents. Chris always offers excellent service and responds quickly to all our business' needs. He has helped All Season Turf with commercial, liability, and worker's comp insurance, always obtaining the best rates and saving us $$$. Chris and his staff are very professional and polite. If you are looking for excellent service and coverage, Chris you need to call. I highly recommend Severance Insurance for all you insurance needs.
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