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© 2018 by Client Benefit Insurance Services 

CA Dept. Insurance License # 0F09685

Business insurance helps protect important assets such as business property and income. It can even provide programs to help injured workers get back to work and help cover lost wages. Commercial insurance policies also help protect businesses from financial losses resulting from liability claims including things like data breaches.


Essential Business Coverages

At its core, a comprehensive business insurance solution will help protect a company’s property, income and financial assets. Small businesses that choose a business owner’s policy enjoy the broad protection of commercial property, general liability and business income coverage through a single business insurance policy.


Commercial property insurance – Most businesses own a substantial amount of physical property. This property may include one or multiple locations as well as tools, computers, inventory and even accounts receivable. Commercial property insurance can help cover the loss of these assets if they are damaged or destroyed by a covered event.


General liability insurance – No matter how cautious businesses are, accidents can happen. For example, a customer may accidentally get hurt in a company’s store, or employees may accidentally damage customer property while working on-site. General liability insurance can help protect businesses from liability claims such as bodily injury, property damage or even advertising mistakes.


Business income insurance – Businesses rely on many types of property to function and generate income. If business operations are suspended due to a covered loss like a fire or theft, business income insurance can help replace income lost because of the covered event.


Tailor Your Business Insurance with an Array of Options

Your business is unique and deserves coverage appropriate to the specific risks you face. That’s why we offer a wide range of options that allow you to customize your policy with coverage endorsements to address your unique needs. Some popular options include:


Data breach coverage – Most businesses are at risk of data breaches. Data breach insurance can help replace lost income if a business shuts down temporarily due to a breach. It can also help cover the costs associated with managing the breach. With data breach coverage from The Hartford, businesses can even get access to help creating policies and best practices to help prevent breaches from happening in the first place.


Workers’ compensation – In the event that an employee suffers from a workplace injury or illness, workers’ compensation insurance can help pay for the associated medical expenses as well as compensate the employee while they take time off to recover from a work related injury or illness. If you have employees, many states require this coverage.

EPLI (Employment Practices Liability Insurance) – This product provides coverage to employers against claims made by employees alleging discrimination )based on sex, race, age or disability, for example), wrongful termination, harrassment and other employment-related issues, such as failure to promote. Small business are often the most vulnerable to employment claims. 

Our Team
Jeffrey Welty, President

jwelty@cbisusa.com | Phone: 858-761-2681

Jeff's career began in 1976. Specializing in employee benefits, he developed packages that enhance employee benefits and reduce employer cost. Combining the power and traditions of Colonial Life, IRS approved strategies, and technology allowing payroll integration. Jeff has given our customers more cost effective, efficient ways to do business.

Jeff overseas the direction and day to day operations of CBIS. A member of the BBB and national award winner for sales and service.

Shannon Cummings, Account Manager

scummings@cbisusa.com | Phone: 858-569-1000

Matthew Welty, VP Sales - P&C

mwelty@cbisusa.com | Phone: 858-603-2457

Matt started in the business 11 years ago. He specializes in Property and Casulaty insurance sales. He handles auto, homeowners, life, workers comp, liability and much more.

Shannon joined CBIS in 2008. Since then, she has become our key Account manager for the company, as well as an integral part of the CBIS team. She handles all new and existing benefits for groups, carrier contacts, and customer service. Our client satisfaction is her number one priority.

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