Business and Commercial Insurance

“I have worked with Patty Garcia from Woodside Insurance for the past two years.  She was instrumental in finding me Professional Liability Insurance for my small business at a lower price than I had previously paid.  So important for a small business owner!  Patty has always been thorough, detailed, efficient, professional and great to work with.  I was so impressed with her services and attention to detail that we are now working on Health Insurance for my company.  I highly recommend Patty Garcia for all your insurance needs  and hope you enjoy working with her as much as I have.”

Cynthia R.
Menlo Park

Business and Commercial Insurance

Your customers and your employees depend on you. You can depend on us. We offer commercial insurance tailored to your business and specific to your needs. Now is the time to ensure your building, business property, equipment, inventory and company vehicles are properly protected. In addition, we offer group health plans.

Protect Your Business

  • Commercial General Liability Insurance
  • Business Owners Policy (BOP)
  • Property Insurance
  • Professional Liability Insurance
  • Business Auto Insurance
  • Workers’ Compensation
  • We know how hard you work to grow and maintain your business. We work just as hard to protect you and your company from everyday risks. Let us put our knowledge to work for you today.

Business and Commercial Insurance FAQ’s

Q: What is the difference between Replacement Cost (RC) and Actual Cash Value (ACV)?
Q: How does an audit work?
Q: Why do I need certificates of insurance from sub-contractors?
Q: What is General Liability?
Q: What does Products/Completed Operations Exposure mean?
Q: What is Business Interruption/Extra Expense coverage?


Q: What is the difference between Replacement Cost (RC) and Actual Cash Value (ACV)?

A: Replacement Cost is the current cost to replace property. Actual Cash Value is the replacement cost less depreciation.


Q: How does an audit work?

A: At the end of the policy term, the insurance company will review the policy and either charge or credit the policyholder based upon an audit of estimated figures. Examples of estimated auditable items include sales and payroll. Audits can be performed onsite by an auditor or via mail or telephone. A premium is charged for audit estimations. To avoid over or underpayment of premium, it is important to provide accurate information.


Q: Why do I need certificates of insurance from sub-contractors?

A: An audit may require you to show proof that sub-contractors had their own insurance coverage. The sub-contractors’ certificates of insurance will prevent you from being charged for their exposure.


Q: What is General Liability?

A: Legal liability protection for a business due to injury or property damage arising from the business premises, operations, or products and completed operations. It covers owners and operators of businesses for their legal liability arising out of injuries or damages suffered by memberso the public, customers (patrons), tenants, and others.


Q: What does Products/Completed Operations Exposure mean?

A: If a product or work performed and finished or materials used causes bodily injury or property damage a manufacturer, retailer, wholesale, or distributor of products can be exposed to a claim.


Q: What is Business Interruption/Extra Expense coverage?

A: Business Interruption/Extra Expense coverage provides coverage for income loss and the expense of establishing a temporary site during repairs due to damages related to a fire or compensable loss.