Seguros Comerciales

Protege tu negocio con la cobertura que realmente importa. Te ayudamos a entender y seleccionar la póliza ideal para que trabajes tranquilo, sabiendo que estás cubierto ante cualquier imprevisto.

1. General Liability (Responsabilidad Civil General)
Protege tu negocio si alguien sufre daños o lesiones relacionados con tus servicios o instalaciones.

2. Workers Compensation (Compensación al Trabajador)
Cubre gastos médicos y salarios en caso de que un empleado sufra un accidente laboral. Obligatorio en la mayoría de los estados si tienes personal contratado.

3. Commercial Auto Insurance (Vehículos Comerciales)
Asegura los autos, vans o camiones que usas en tu negocio ante accidentes, daños y responsabilidad civil.

4. Equipment Insurance (Equipos y Herramientas)
Cubre el robo, daño o pérdida de tus herramientas de trabajo — ideal para contratistas y profesionales técnicos.

5. Commercial Property (Propiedad Comercial)
Protege tu oficina, local o almacén en caso de incendio, robo, vandalismo o desastres naturales.

6. Business Owner’s Policy (BOP)
Paquete combinado de Liability + Property para pequeñas empresas, con ahorro incluido.

7. Professional Liability (Errores y Omisiones)
Ideal para consultores, agentes, asesores o cualquier negocio de servicios profesionales. Cubre errores humanos que puedan generar reclamos de cliente

Nuestras coberturas más solicitadas:

Customer Feedback

See what our clients say about our renters insurance services.

KOC's renters insurance saved me money and provided excellent coverage options.

Sarah Johnson
A residential setting features a gray brick house with a shingled roof and a chimney. In front of the garage, two vehicles are parked: a silver pickup truck on the left and a black SUV on the right. The house is adorned with some greenery, and the driveway has a shadow cast by nearby trees.
A residential setting features a gray brick house with a shingled roof and a chimney. In front of the garage, two vehicles are parked: a silver pickup truck on the left and a black SUV on the right. The house is adorned with some greenery, and the driveway has a shadow cast by nearby trees.

Los Angeles

I highly recommend KOC for renters insurance. Their service is reliable and the agents are very helpful in answering all my questions.

A silver Volkswagen SUV with noticeable front-end damage parked on a city street. The vehicle's front bumper and headlight are significantly dented and scratched. There are small debris pieces scattered around the tires, suggesting a recent collision. Surrounding the car are other parked vehicles and a building with a closed store featuring a 'For Sale' sign.
A silver Volkswagen SUV with noticeable front-end damage parked on a city street. The vehicle's front bumper and headlight are significantly dented and scratched. There are small debris pieces scattered around the tires, suggesting a recent collision. Surrounding the car are other parked vehicles and a building with a closed store featuring a 'For Sale' sign.
Mark Smith

New York

★★★★★
★★★★★