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Personal Lines Insurance

Commercial Business Insurance

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Workers' compensation

A government-mandated system that pays monetary benefits to workers who become injured or disabled in the course of their employment. Workers' compensation is a type of insurance that offers employees compensation for injuries or disabilities sustained as a result of their employment.

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Commercial Auto Insurance

Provides a variety of coverages for cars, trucks, vans, and other vehicles used by your business. There are three basic parts of every commercial auto insurance policy:

Physical damage insurance − includes collision and comprehensive coverage

Liability insurance − includes bodily injury, property damage, uninsured motorist, and underinsured motorist coverage

Other coverage − includes medical payments, towing and labor, rental reimbursement, and auto loan or lease gap coverage

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General Liability

Insurance policies typically cover you and your company for claims involving bodily injuries and property damage resulting from your products, services, or operations. It may also cover you if you are held liable for damages to your landlord’s property.

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Errors and Omissions insurance (E&O)

A type of professional liability insurance that protects companies, their workers, and other professionals against claims of inadequate work or negligent actions.

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Professional liability insurance (PLI)

Insurance that protects professionals such as accountants, lawyers, and physicians against negligence and other claims initiated by their clients. Professionals who have expertise in a specific area require this type of insurance because general liability insurance policies do not offer protection against claims arising out of business or professional practices such as negligence, malpractice, or misrepresentation.

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Surety bonds

Guarantee that suppliers can meet financial obligations when contracted performance targets are missed. Many major projects are impossible without them. 

A surety bond is not a typical insurance policy. While Surety backs the performance of the principal and will pay the penalties resulting from non-performance or under-performance, they do seek to reclaim the funds from the principal.  A Surety bond helps make the deal happen

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Business Owner Policy (BOP)

Combines protection for all major property and liability risks in one insurance package. This type of policy assembles the basic coverages required by a business owner in one bundle. However, it is usually sold at a premium that is less than the total cost of the individual coverages. 

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Auto Insurance

insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.

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Home Insurance

Also commonly called homeowner's insurance, is a type of property insurance that covers a private residence

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Renters Insurance

Covers your possessions for losses related to fire, smoke, lightning, vandalism, theft, explosion and windstorm, and water damage (not floods!). Renters insurance also provides liability coverage that protects your assets when you, a family member, or a pet injures someone at your home or somewhere else. This liability coverage will pay for your legal defense as well as any damages you must pay if someone sues you.

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Condominium Insurance

Condo owners have unique insurance needs; typically they need to insure only a portion of the building in which they live and their personal property, while the condominium owners association provides coverage for the rest.

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Umbrella Insurance

The policy is extra liability insurance coverage that goes beyond the limits of the insured's homeowners, auto, or watercraft insurance. It provides an additional layer of security to those who are at risk of being sued for damages to other people's property or injuries caused to others in an accident. It also protects against libel, vandalism, slander, and invasion of privacy.

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Flood Insurance

A type of property insurance that covers a dwelling for losses sustained by water damage specifically due to flooding caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems, or levee dam failure. In many places, a flood is considered a vis major event, and the damage or destruction it causes are uncovered if you do not get supplemental insurance.

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Earthquake Insurance

Reimburses you for damage caused by earthquakes, from damage to your home and personal property, to temporary living arrangements.

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Pet Insurance

Helps cover the costs of your vet bills. You pay a monthly premium and in exchange, you can care for your canine or feline fur fam without stressing about the costs.

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Builders Risk Insurance

To ensure owners and contractors against damage to structures in the course of construction. To cover property exposures that are unique to construction risk: partially completed structures; equipment, materials, and supplies intended to become part of the completed structure; equipment, materials, and supplies stored at other locations or in transit;

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Homeowners' Warranty

An extra level of protection for your appliances and home systems that you use every day. You may be wondering how it works. Let's say your refrigerator or air conditioning system breaks down right before a summer heatwave. 

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Ms. Qiaobo Lei
Policy holder

Very Professional and responsive Staff, easy to communicate with. They assisted me with great knowledge and patience, I really appreciate.

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WHAT CLIENTS SAY ABOUT US

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Ms. Emily Shang
Policy Holder

Finamerican Insurance Staff is very helpful! We really appreciated their knowledgeable experience and support during purchasing our insurance. They were always patient and ready to solve all our problems. Thank you for your service and we are more than 100% satisfied with Hongjian Li Agency.

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Ava
Policy Holder

Everyone on the team has demonstrated great professionalism and responsibility. They have meticulous answers and perfect solutions to every question I have. I'm so glad about my choice!

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