Protecting your business and home from the unexpected and unpredictable is what we do. Our focus is to reduce your liability exposure, secure the highest level of insurance coverage at competitive rates, and provide expert advice and risk evaluation assistance supported by a dedicated service team ready to meet your insurance needs. We service all of California and concentrate on the greater area of Los Angeles. We blanket the foothills of La Canada, La Crescenta, Sunland, Eagle Rock, Glendale, Montrose and all the way to the San Gabriel area of Pasadena, San Marino, Arcadia, and South Pasadena. For more than 70 years, Williams & Co. Insurance has helped clients with their insurance by providing comprehensive coverage, competitive pricing and exceptional service. Since we are an independent agency, we can work with best insurance carriers and programs that are available to protect your business, home, auto, and most valuable assets.
Worker’s Comp
Workers compensation insurance covers businesses if a worker gets injured on the job. California tends to have highest comp rates in the country due to the frequency of permanent disability claims, a more prolonged pattern of medical treatments, and much higher than average costs of claims handling. Many factors go into determining your comp rate including your company’s loss history; how your losses compare to other companies within your industry; job classifications; and emerging issues impacting the frequency and severity of claims such as rising medical costs.
We manage your comp cost by:
- We work with our carrier partners, to provide assistance in setting up an accident investigation program, safety inspections, and additional strategies to help reduce on-the-job accidents and get employees back to work as soon as possible.
- Analyzing past claims to determine where exposures lie and what can be done to reduce any patterns of injury.
- Pinpointing red flags that may indicate where your business may be at risk for fraudulent claims or vulnerabilities in your safety processes.
- Conducting a comprehensive review of all of your documents, including your current Workers comp policy, a summary of your prior losses and payrolls details, classification descriptions and any loss-sensitive rating adjustments, to see where we can make improvements and where there may have been problems or miscalculations.
Depending on the size and organizational structure of the business, we offer clients various Workers compensation options. This includes standard guaranteed cost programs, small and intermediate deductible plans, large deductible programs, and self-insured programs.
Get started with your commercial application here. We will follow up with more questions and recommendations for coverage the fits your needs.
General Business & Product Insurance
From publicly and privately held corporations to nonprofits, our team has the market knowledge and relationships to not only safeguard your business assets but to also bring value to your company. An integral component in our approach to minimizing your liability is ensuring that your general liability and products liability coverages are in sync with your operation.
Get started with your commercial application here. We will follow up with more questions and recommendations for coverage the fits your needs.
Professional Liability (Errors & Omissions Insurance)
As a professional providing expertise in your area of specialization, you’re open to exposures that go beyond general liability risks. Claims stemming from allegations of incorrect advice or failure to perform professional services could lead to a lawsuit. Even if you haven’t made a mistake, you could still be sued. Professional Liability, also known as Errors & Omissions (E&O) insurance, is designed to step in and cover the legal fees and any resulting settlements or judgments from these types of lawsuits – protecting you and your business from potentially crippling costs. A policy, in addition to covering the business and its employees, can also be designed to include protection for independent contractors, part-time workers, or even volunteers.
Get started with your commercial application here. We will follow up with more questions and recommendations for coverage the fits your needs.
Cyber Insurance
Nearly every company uses, stores, or maintains electronic data on their customers and/or employees, exposing them to cyber attacks that can result in significant financial loss and reputational damage. Corporations, such as Marriott, Yahoo, Anthem, Chipotle and Target, among others, have all been victims of customer-related data breaches, thrusting them into the limelight and putting the focus on the extent and reach of cyber threats today. But cyber attacks aren’t only against large organizations like those that make headline news. According to a 2018 Verizon report, 58% of all cyber attacks target small to mid-size businesses (SMBs). While it is true that the ultimate reward might not be as high as it could be from a multinational organization, cybercriminals go after SMBs because they are easier to penetrate.
Though our carriers, we also offer a breach coach to help businesses navigate and manage a data event, including securing a forensics company, ensuring compliance with notification requirements and managing crisis communications.
We can provide you with coverage that pays for the expenses involved with the following:
- Theft and fraud, including Social Engineering and Cyber Crime
- Notification costs
- Credit/identity monitoring
- Forensic investigation
- Network/business interruption
- Extortion
- Data loss and restoration, including physical records (not just electronic)
- Privacy liability
- Crisis management
- Penalties & fines
Get started with your commercial application here. We will follow up with more questions and recommendations for coverage the fits your needs.
Auto Insurance: preferred, standard and hard to place
Special discounts are available for:
- Good Driving Record
- Mature Driver
- Multi-Car
- Good Student
- Miltary Professionals
- Anti-theft
- Teachers
- Attorneys
- Engineers/Scientists
- Multi-Policy
Homeowners, Condominiums, Renters, Mobile Homes, Earthquake, Flood, and Fire Insurance
- Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
- Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Health, Life and Disability
Motorcycles, Motor Homes, RVs, Boats/Personal Watercrafts
Personal and Commercial Umbrellas
Apartment Packages
Commercial Auto