At SAX Insurance Agency, our Insurance Specialties are built around the understanding that every community and business has unique needs. With an independent and customized approach, we tailor coverage solutions that align each specific risk with the right carrier. Our specialties span a wide range of sectors, including condominiums, high-rise and mixed-use buildings, planned unit developments, commercial parks, assisted living centers, franchisor/franchisee restaurants, and hotel and sports venues. Whether it’s property, liability, auto, cyber, or umbrella coverage, SAX delivers flexible and effective insurance solutions backed by deep industry experience.
For your Commercial and Residential Property needs; from Commercial Parks and Condos to High-Rise/Mid-Rise/Mixed Use Buildings; associations, management companies, boards of directors and officers, personnel, and others, in every aspect and risk that matters; SAX Insurance Agency has you covered.
Policy Coverages for Condominium Associations features:
At SAX, we never forget that an association is much more than a collection of buildings. It’s also made up of people. Specifically written for Homeowner Associations, the Directors & Officers Liability coverage we offer extends to choice of counsel. Coverage includes the management company, board members, the association entity, committee members, volunteers, and employees.
Buildings come in all sizes, and in different architectural styles. So does coverage when you get it from SAX. Insurance needs to fit like a glove or a well-tailored dress suit. At SAX, we can make the promise of a good fit every time because our independence allows us to draw upon multiple carriers to address your needs.
Policy Coverages for High-Rise / Mid-Rise / Mixed Features:
As a preferred broker for many insurance agencies, we have developed a specific PUD program that offers comprehensive property liability packages addressing the unique coverage requirements of single-family homeowners associations. “Unique” is our favorite word. At SAX, we understand that your needs are unique. So is our response every time.
Policy for Planned Unit Developments (PUD) Features:
Independence has its rewards, and the rewards go to you. As an independent agency, SAX has the capability to tailor your association insurance offering. We analyze the risk and align it with the best carrier and coverage available.
Policy for Commercial Parks and Condos Features:
Our tailored insurance solutions are designed to meet the unique needs of your assisted living center facility, ensuring comprehensive protection.
Eligible Accounts:
Policy Features:
At SAX, our independence enables us to partner with multiple A-rated, California-admitted carriers to deliver coverage that fits your facility perfectly, ensuring peace of mind for you and those in your care.
Owning a restaurant franchise comes with the advantage of an established brand’s support, but it also carries unique risks. SAX Insurance Agency is here to guide you.
Policy Coverages for Franchisor/Franchisee Restaurants:
Owning a restaurant franchise comes with the advantage of an established brand’s support, but it also carries unique risks. SAX Insurance Agency is here to guide you, providing tailored insurance solutions to protect your investment from day one. Our independence allows us to work with multiple A-rated, California-admitted carriers to ensure coverage that fits your business like a glove.
Policy Coverages for Franchisor/Franchisee Restaurants:
Why Choose SAX?
At SAX, we understand the unique challenges of restaurant franchises. We collaborate with you and your franchisor to identify the best coverage for your business model, ensuring you’re protected before you open your doors. Let us help you focus on running your restaurant while we handle the risks.
There are certainly benefits to franchise ownership. To begin, you have the backing of an established corporation to guide you in your journey. But as with every venture, there are also risks. Let SAX Insurance Agency be your guide. Take certain measures on your own to protect your investment and be protected from day one:
Public Liability
If you’ll welcome customers or clients into a store or onto your premises, such as you would with most restaurant franchises, you must have public liability insurance. This coverage protects against slip and fall accidents, or any other event that could cause bodily injury or property damage.
WorkerSafety
Your employees might not be covered under the public liability insurance. In this case, you will need separate insurance to protect your staff while they’re at work.
Food Spoilage
If you have any type of inventory for your business, it’s a good idea to insure it against any loss or damage. This is especially true if damaged goods could cause you to close your doors until new inventory or equipment arrives.
Property Damage
If you invest in a property for your franchise, you’ll need to ensure the building where your business is housed stays in proper working order. Property damage insurance protects you in case of flood, fire, smoke, vandalism, and more.
Employment Practices
If you hire any employees to work in your franchise, you need to protect yourself from any claims an employee might file. This can include claims such as wrongful dismissal or any type of harassment in the workplace.
Auto Insurance
If you have delivery trucks or use your personal vehicle for your business, it’s important to protect it while it’s on the road. You should have auto insurance coverage for all motor vehicles used to do business on a regular basis.
Business Interruption
If your business has to shut down because of any type of accident, from vandalism to complete destruction of your property, you won’t just be out the money it takes to get back up and running, you’ll be out the revenue you would’ve earned if your doors had been open. Business interruption insurance helps you get a portion of those earnings back, so you don’t fall too far behind.
Are You Covered?
There are many factors that go into deciding which type of insurance you need when opening a franchise. Talk to your franchisors about the best insurances to get for your business model. Then, get those insurances before you break ground or open your doors, so you’re sure you’re protected from day one.
There are nuances to managing facilities where the population is in flux, whether a hotel or a large sports venue. SAX Insurance Agency has the experience, know-how and flexible understanding to match the right carriers to the right needs whether the overriding goal for your guests is a game that lasts a few hours or a comfortable stay for days.
The Hospitality industry faces many challenges. SAX offers products to address the specific requirements of this industry. Drawing on extensive carrier power and years of experience, we offer:
There are nuances to managing facilities where the population is in flux, whether a hotel or a large sports venue. SAX Insurance Agency has the experience, know-how and flexible understanding to match the right carriers to the right needs whether the overriding goal for your guests is a game that lasts a few hours or a comfortable stay for days.
The Sports Venue industry faces many challenges. SAX offers products to address the specific requirements of this industry. Drawing on extensive carrier power and years of experience, we offer:
Businesses of all sizes face rapidly evolving cyber threats, from data breaches to sophisticated cyberattacks. SAX Insurance Agency leverages deep expertise and carrier relationships to deliver tailored cyber insurance solutions that protect your organization and its assets.
The Cyber Risk landscape presents unique challenges. SAX offers specialized products to meet the demands of this dynamic environment. With extensive carrier partnerships and years of experience, we provide:
Every organization, whether private, public, nonprofit, or a financial institution, faces unique responsibilities and exposures. SAX Insurance Agency is committed to delivering customized insurance policies that precisely address these distinct needs, ensuring comprehensive protection for our valued clients.
The diverse landscape of organizational risks requires specialized solutions. Drawing on our extensive carrier relationships and deep industry expertise, SAX offers tailored products to meet the specific demands of your organization, including:
Contractors face unique professional and pollution liability risks arising from their work. SAX Insurance Agency provides comprehensive coverage tailored to protect against professional acts, errors, or omissions, ensuring contractors can operate with confidence.
The construction and contracting industry presents complex challenges. Leveraging our extensive carrier partnerships and industry expertise, SAX offers specialized products to address the specific needs of contractors, including:
