Our Garage Insurance packages are offered to you by an experienced staff with specialized expertise in this industry. Our services are specifically tailored to address the exposures of auto repair and body work by offering cost effective solutions for your business. Two important coverages are Garage Liability and Garage Keepers Liability coverage. Below is an explanation of these coverages:

Garage Liability Insurance:
Garage Keepers Liability:

Sparrow General has been growing its' Gas Station insurance business for years. We partner with insurance carriers who offer low pricing and expansive coverage options to Service Station owners. We offer a complete Gas Station insurance solution so you can concentrate on meeting the needs of your customers. Here is a partial list of coverage we can take care of:

• General Liability
• Garage Keepers Liability
• Business Personal Property
• Liquor Liability
• Crime/Employee Dishonesty
• Business Income
• Underground Storage Tank Pollution Liability
• Above ground Storage Tank Pollution Liability
• Workers Comp

Sparrow General Insurance Agency caters to the insurance needs of California restaurant owners, offering high quality coverage unique to the industry. Designed for all varieties of restaurants be they full-service fine dining, fast food or family style establishments we offer:

• Broad coverages designed for your restaurant and tailored to your standards
• Competitive Pricing
• Responsive, fair claims services that protect the best interests of policy owners
• General Liability
• Property Insurance - Business Income, Equipment Breakdown, Food Contamination, Spoilage, Sewer Backup
• Crime/Employee Dishonesty
• Liquor Liability

We also specialize in providing insurance for office building owners, apartment owners and commercial building properties. Our experienced staff understands the challenges and concerns that building owners face and work with you to provide the best coverage at the best possible price. We will evaluate your needs and give you options for deductibles, limits and requirements. These are some of the coverages we offer:

• Buildings and other structures
• Furniture & Equipment
• Inventory
• Earthquake
• Business Income
• Hired and Non-owned Auto Liability

Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial auto insurance, truck insurance, or fleet insurance. Our staff will help you find the best coverage you need for your business. What are the coverages?

• Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
• Property damage liability coverage – provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.
• Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
• Medical payments, no-fault or Personal Injury Coverage – usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
• Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
• Comprehensive physical damage coverage – pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.
• Collision coverage – pays for damage to your car when it hits or is hit by another object.

This policy has been compared to a homeowner's policy for a small business. BOPs combine the basic coverages a typical small business needs into a comprehensive package at a premium that is generally less than would be required to purchase these coverages separately. A typical Business Owner insurance policy includes:

• Property insurance - Covering buildings & business personal property such as equipment, inventory, tenant improvements and betterments, and furniture.
• Business Interruption Insurance and Extra Expense - Will protect a company against losses resulting from a temporary shutdown because of fire or other insured peril. It will provide reimbursement for lost net profits and necessary continuing operating expenses. Liability Insurance - coverage for general liability, personal & advertising injury liability, product and completed operations liability, and fire legal liability.
• Crime Insurance - covering loss of money or securities resulting from robberies or burglaries as well as losses from employee theft or embezzlement.
• Hired and Non-owned Auto Liability - "Hired Auto Liability" provides liability protection for the company for vehicles they rent and "Non-owned Auto Liability" provides liability protection for vehicles not owned by the company (Example: an employee driving their own car during the course of conducting business).

Workers Comp is a California state mandated insurance covering any on the job employee accident and is designed to pay for medical care and physical rehabilitation. It helps to replace lost wages while the injured is unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases. Our Agency can help your business find complete solutions to your unique workers compensation insurance needs. With the rising costs in healthcare and claims it is more important than ever to get your Workers Compensation under control using the best Carriers and loss control services available. Sparrow General Insurance Agency can help do this for your business and keep you premiums low.

We offer the personal insurance coverage options you need. Our professional team will consult with you on the coverage and premiums that meet your specific needs. Feel free to request a quote today on any of your personal insurance needs be they:

• Auto Insurance
• Homeowners Insurance
• Condo Insurance
• Landlord Insurance
• Renters Insurance
• Health Insurance
• Life Insurance
• More…