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Commercial Insurance Pros
Business & Commercial Insurance Orange County & Southern California Vacant Properties OK Aliso Viejo, CA
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949-540-6776
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Automotive Trades Insurance
Established in 1992,Commercial Insurance Pros, is a multi-line insurance agency, providing personalized insurance coverage for families and businesses, throughout California. We represent some of the finest insurance carriers in the nation, and pride ourselves in providing courteous and professional service. 
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Typical Automotive Trades Coverage Summary
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| Property Coverages - Building and Business Personal Property: | Basic Package Limits | Enhanced Package Limits |
| Building - Replacement Cost (as requested) | Limit of Insurance | Limit of Insurance |
| Business Personal Property - Replacement Cost (as requested) | Limit of Insurance | Limit of Insurance |
| Causes of Loss - Special Form | Building(s) Amount (include above and below ground storage tanks) | Building(s) Amount (include above and below ground storage tanks) |
| Business Personal Property Amount (include contents of storage tank) | Business Personal Property Amount (include contents of storage tank) | |
| Business Personal Property of Others | Business Personal Property of Others | |
| Accounts Receivable | $5,000 | $5,000 |
| Arson Conviction Reward | $5,000 | $5,000 |
| Back Up Sewer and Drain | $2,500 | $5,000 |
| Business Income and Extra Expense - Dealers | Optional | $50,000 |
| Business Income and Extra Expense - Service Risks | Optional | 12 Months ALS |
| Debris Removal | [25%of (Ded.+ Loss Payment)] & Up to Additional $10,000 | [25%of (Ded.+ Loss Payment)] & Up to Additional $10,000 |
| Electronic Data Processing Equipment | Not Available | $15,000 |
| Employee Tools | Not Available | $10,000 |
| Fire Department Service Charge | $1,000 | $2,500 |
| Fire Extinguisher Recharge Expense | $1,000 | $1,000 |
| Glass Coverage | Included in Bldg. Limit | Included in Bldg. Limit |
| Increased Cost of Construction | 5% of Building Limit/$10,000 | 5% of Building Limit/$10,000 |
| Lock Replacement | $500 | $1,000 |
| Newly Acquired or Constructed Location Business Personal Property | $100,000 | 10% of BPP Limit/$200,000 |
| Newly Acquired or Constructed Property | $250,000 | 25% of Building Limit/$500,000 |
| Outdoor Property (Trees/Shrubs/Plants) | $1,000 | $1,000 |
| Outdoor Signs | $3,000 | $5,000 |
| Personal Effects and Property of Others | $2,500 | $2,500 |
| Pollutant Clean Up | $10,000 | $10,000 |
| Preservation of Property | 30 days | 45 days |
| Property Off-Premises | $10,000 | $20,000 |
| Replacement Cost Coverage | Included in Property Amt. of Ins. | Included in Property Amt. of Ins. |
| Tenants Exterior Building Glass | Not Available | Included in BPP Limit |
| Theft, Disappearance or Destruction of Money & Securities, inside or outside the premises | $1,000 | $2,500 |
| Valuable Papers (On Premises) | $5,000 | $5,000 |
| Optional Property and Inland Marine Coverages | ||
| Accounts Receivable | Increased Limits Optional | Increased Limits Optional |
| Business Income and Extra Expense - Dealers | Optional | Increased Limits Optional |
| Business Income and Extra Expense - Service Risks | Optional | 12 Month ALS |
| Cargo Coverage - Specified Causes of Loss: | ||
Specified Cause of Loss |
Optional | Optional |
Burglary & Robbery (Must have E7121) |
Optional | Optional |
| Earthquake (where available - SFA only) | Optional | Optional |
| Earthquake Sprinkler Leakage | Optional | Optional |
| Electronic Data Processing Equipment | Optional | Increased Limits Optional |
| Employee Tools | Optional | Increased Limits Optional |
| Equipment Breakdown | Optional | Optional |
| Inflation Guard | Select 4%, 6%, or 8% | Select 4%, 6%, or 8% |
| Leasehold Interest Coverage Form | Optional | Optional |
| Mine Subsidence (where available - SFA only) | Optional | Optional |
| Ordinance or Law Coverage: | ||
Coverage A - Loss to Undamaged Part of Building |
Optional | Optional |
Coverage B - Demolish Undamaged Part |
Optional | Optional |
Coverage C - Increased Cost of Construction |
Optional | Optional |
| Outdoor Signs | Increased Limits Optional | Increased Limits Optional |
| Valuable Papers and Records | Increased Limits Optional | Increased Limits Optional |
| Garage Coverages | Included on all Garage Policies | Included on all Garage Policies |
| Garage Coverage Form | Limit of Insurance | Limit of Insurance |
| Contractual Liability | Included | Included |
| Elevator Liability | Included | Included |
| Hired Auto Coverage BIPD - Dealers Risk Only | Included | Included |
| Non Owned Auto Coverage(BIPD) | Included | Included |
| Owned Auto Coverage (BIPD) | Dealers Risk Only | Dealers Risk Only |
| Owners Protective Liability | Included | Included |
| Broadened Coverages | Included on all Garage Policies | Included on all Garage Policies |
| Fire Legal Liability | $50,000 | $50,000 |
| Host Liquor Liability | Included | Included |
| Incidental Medical Malpractice | Included | Included |
| Liability for Newly Acquired Garage | Included | Included |
| Limited Worldwide Liability | Included | Included |
| Non-Owned Watercraft | Included | Included |
| Personal and Advertising Injury | $500,000 | $500,000 |
| Spouses of Individual Insureds or Partners, as Insureds | Included | Included |
| Optional Coverage - Garage Dealers & Non-Dealers | ||
| Auto Medical Payments | Optional | Optional |
| Broad Form Products Coverage | Optional | Optional |
| Garage Locations and Operations Medical Payments Coverage | Optional | Optional |
| Garagekeepers Liability | Optional | Optional |
| Hired Auto Coverage BIPD | Non-Dealer Risks Only | Non-Dealer Risks Only |
| Hired Autos Specified as Covered Autos You Own | Optional | Optional |
| Owned Auto Coverage(BIPD) | Scheduled Autos for Non Dealers | Scheduled Autos for Non Dealers |
| Individual as Named Insured | Included when selected | Included when selected |
| Individual as Named Insured - Dealers Only | Included when selected | Included when selected |
| Owners of Garage Premises | Optional | Optional |
| Personal Injury Protection | Optional if not Mandated by State | Optional if not Mandated by State |
| Physical Damage to Individually Owned Autos(Non-Dealers) | Scheduled Autos | Scheduled Autos |
| Physical Damage: Dealers Autos | ||
Dealers Autos - Blanket |
Optional | Optional |
Additional Storage Locations |
Optional | Optional |
In Transit |
Optional | Optional |
| Uninsured/Underinsured Motorist Coverage | Optional if not Mandated by State | Optional if not Mandated by State |
| Automotive Dealers Coverage Package - Optional for Dealers Only - Sold Only as a Package of Coverages | ||
| Dealers Drive Away Collision Coverage Applicable Only When Dealers Autos Physical Damage Coverage is Selected | Removes the 50 mile limitation for collision coverage on Dealers Autos | Removes the 50 mile limitation for collision coverage on Dealers Autos |
| False Pretense Coverage | $80,000 | $80,000 |
| Individual as Named Insured - Dealers | Included in Garage Coverage Limit | Included in Garage Coverage Limit |
| Insurance Agents Errors and Omissions | $100,000 | $100,000 |
| Odometer Liability | $100,000 | $100,000 |
| Products Deficiency Liability | $100,000 | $100,000 |
| Title Errors and Omissions | $50,000 | $50,000 |
| Truth in Lending Errors and Omissions | $100,000 | $100,000 |
| Optional Coverage - General Liability | ||
| Products and Completed Operations | Selected Limits | Selected Limits |
| Premises and Operations | Selected Limits | Selected Limits |
| Contractual Liability (Premises) | Included in Limit | Included in Limit |
| Elevator Liability | Included in Limit | Included in Limit |
| Employee Benefits Liability | Optional | Optional |
| Fire Legal Liability | Included in Limit | Included in Limit |
| Host Liquor Liability | Included in Limit | Included in Limit |
| Liability for Newly Acquired Business | Included in Limit | Included in Limit |
| Limit Worldwide Liability | Included in Limit | Included in Limit |
| Medical Payments (Premises) | $5,000 | $5,000 |
| Non-Owned Watercraft Coverage | Included in Limit | Included in Limit |
| Personal and Advertising Injury Liability | Included in Limit | Included in Limit |
| Protective Liability for Independent Contractors Acts | Included in Limit | Included in Limit |
| Spouses of Individual Insureds or Partners, as insureds | Included in Limit | Included in Limit |
| Optional Coverage - Crime | ||
| Employee Dishonesty | ||
Blanket |
Optional | Optional |
Scheduled Employees |
Optional | Optional |
| Forgery and Alteration - Form B | Optional | Optional |
| Theft, Disappearance & Destruction - Money and Securities - Form C | Increased Limits Optional | Increased Limits Optional |
| Robbery & Safe Burglary - Other than Money and Securities - Form D | Optional | Optional |
| Premises Burglary - Other than Money and Securities - Form E | Optional | Optional |
| Extortion - Form G | Optional | Optional |
| Premises Theft & Robbery Outside - Other than Money & Securities - Form H | Optional | Optional |
| Robbery and Safe Burglary - Money and Securities - Form Q | Optional | Optional |
| Auto Supplies, Equipment, Gasoline and Oil in Outside Containers Endorsement (Requires Forms E or H) | Optional | Optional |
| Optional Coverage - Umbrella Liability | ||
| Umbrella Liability | Optional | Optional |