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Business Catastrophe Insurance in Indio, CA and Surrounding Areas

Business catastrophe insurance is an additional level of coverage that goes above and beyond the standard business policy most small and medium-sized companies have. As a business owner, you want to be absolutely sure that your investments are protected in case of unforeseen calamity—nobody wants to see all of their hard work destroyed by fire, theft, or anything else. However, every policy has its limits, and if the damage to your business is so severe that it exceeds the limits of your current business or property coverage, you'll be expected to pay the difference yourself.

Business Catastrophe Insurance Features

Business catastrophe insurance comes into play to prevent you from having to pay the excessive cost of a catastrophic loss. If you exceed the normal limits and the claim is for a qualifying event, this coverage will provide an additional level of protection and reduce or eliminate the portion of the claim that you would otherwise have to pay out of your own pocket. Here are the important things to know about this policy:

  • Business catastrophe insurance coverage amounts are proportional to individual business types and indemnity periods. Most companies purchase this policy and get at least one million dollars of coverage, just to be absolutely sure they have the protection they need if something goes extraordinarily wrong. Sometimes these extraordinary situations can arise due to the nature of a certain business, or because of a freak accident or natural disaster. One of our agents can help you determine an appropriate coverage length and amount.
  • This coverage may protect you from things your normal policies do not. While the specifics depend on the plan you get, business catastrophe insurance is usually offered as an umbrella policy that can cover almost anything that might occur.
  • This is the last resort, not the first. If a claim is covered by your normal policy and doesn't exceed those limits, your business catastrophe policy will not be utilized. Its main purpose is protecting you against particularly large claims, just in case something goes wrong and you truly need the extra protection.

For more information about business catastrophe insurance, give Desert Cornerstone Insurance Service, Inc. a call today.

Our Location

Desert Cornerstone Insurance Service, Inc.

81713 CA-111 Suite E
Indio, CA 92201
Main office: 760-347-7723
Fax: 760-347-7725

Our Providers

Testimonials

Desert Cornerstone Insurance and their team have done a great job for our organization. Thanks for being a trusted agent.

Jim D
Thank you Desert Cornerstone Insurance for always being professional and taking good care of our business.

Debby K
Matt, your team of professionals have always done a great job servicing my business. Thank you so much!

Diane W
Matt List and staff thank you for providing great service for our church, Love of Christ Community Church.

Pastor Tony Williams Sr.