Coverage for Your Business in Petaluma and Sonoma County, CA

Protect your Investment

Don Ramatici Insurance, Inc. provides insurance to businesses in Petaluma, Sonoma County, Napa County, Marin County, Solano County, Sacramento, and surrounding areas.

Your business is a manifestation of your hard work and you should have the best insurance to protect it. Most new businesses fail within the first five years due to financial issues. Uncovered accidents and lawsuits can compound these issues and put your hard work at risk. 

At Don Ramatici Insurance, Inc., we understand the important of keeping your business safe. Each business is different and we will work with you to tailor a business insurance policy specifically for your needs. 

What Does Business Insurance Cover? 

General Liability 

General liability insurance protects your business from claims concerning non-professional negligence. It covers three main areas: 

  • Bodily Injury: Bodily injury liability as part of a general liability insurance policy covers medical bills someone else may suffer on your business’ property. 

  • Property Damage: Property damage liability provides compensation to those whose property is destroyed or damaged as a result of the business’ everyday activities.

  • Personal and Advertising Injury: Personal and advertising injury covers claims against the business concerning libel, slander, copyright infringement, theft of an advertising idea and more.

Another side of general liability also protects your business in case of lawsuits related to the above, including coverage for court fees, defense costs, settlement expenses and more. 

Workers Compensation 

Workers compensation protects your employees and your business in case of a workplace injury. This insurance can cover medical expenses, disability benefits, wage replacement and more. 

Commercial Auto Insurance  

Commercial auto insurance covers vehicles owned or used by a business for work purposes. If your business concerns travel or transportation, you may need commercial auto insurance to protect the vehicles, drivers, passengers and everyone else on the road. These policies may include a range of coverages also available on a personal auto insurance policy such as comprehensive coverage, collision coverage, liability, medical payments coverage and uninsured/underinsured motorist coverage. 

Protect Your Business Today 

A business is a large investment and you deserve the right coverage to protect your assets. Call Don Ramatici Insurance, Inc. at 707-782-9200 or fill out a quote form to get started today. 

Common Business Insurance Questions 

How Much Does Business Insurance Cost? 

The cost of business insurance varies widely depending on several factors, such as your location, industry, size of the business, coverage limits and other factors. Fill out a quote form to find out how much you can save on business insurance with Don Ramatici Insurance, Inc. 

How Much Business Insurance Do I Need? 

Every business is different and your coverage needs may be different from your neighbor’s even within the same industry. Be sure to speak with an insurance agent about insuring your business with enough coverage to protect all of your assets. 

How Does Business Insurance Work? 

Business insurance operates much like other insurance policies. The business owner typically purchases business insurance and pays monthly premiums in return for coverage. As long as the policy is active, you can file a claim to receive compensation for your business’ losses. 

Who Needs Business Insurance? 

Essentially every business needs business insurance. Even if you don’t have a physical location, your company could face lawsuits and other claims regarding bodily injury, property damage, products liability and more. 

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