Call No: 000-000-0000Commercial Insurance Specialized In High Tech Field
  • Personal Insurance
  • Business-Insurance
  • Employee-Benefit

Protecting Your Business From Loss Due To Changing Circumstances

Being a business owner, you take projected risks for potential benefit and return on your investment. You comprehend risk very well. There are, however, certain risks can cause sufficient financial harm to bring most business owners to failure. This is where High Tech Insurance comes in; we will evaluate the risks faced by your operations and recommend Commercial insurance solutions to give you peace of mind, knowing your business is protected from certain risks of loss. Whether your needs are for protection from fire, theft, earthquake, injury to others, damage to your automobiles, injuries to your employees, or countless other perils, High Tech Insurance provides Commercial Insurance solutions tailored specifically to your needs. You can be assured of knowing that High Tech Insurance possesses the skill, experience and market relationships to serve your needs. High Tech Insurance represents both publically and privately held companies; let us present to you the value we can bring to your venture.

High Tech Insurance Solutions are independent insurance agents and brokers. We represent the broader market place with expert knowledge of each carrier. Let us do the shopping for you so you don't have to. High Tech gives you the personal touch with state of the art technology.

Our Focus is Upon:

  • Evaluating risk analysis unique to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Business Auto Insurance

Dependable Coverage And Steadfast Service

Almost every business faces significant risk from the use of vehicles, such as company owned vehicles or employees using their own vehicles on the company's behalf. Injuries or damage resulting from the use of vehicles in your business poses significant risk to you as a business owner; we can help with these risks. High Tech has the technical "know how" and attention to detail required to create the right insurance protection for your business automobile risk for a fleet of 100 units or just a single vehicle. High Tech Insurance Solutions continues to maintain unique strategies to help control costs for this key insurance protection.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Commercial Property

Dependable Coverage And Steadfast Service

What effect would a loss to your building, manufacturing facility or your inventory be? If you experienced a devastating fire or theft of your business personal property, how would you recover? How would you be able to replace this property and the lost income and productivity after such a loss? Commercial property insurance guards these risks and many others. Without this vital protection many companies would have to close their doors, lay off employees and file bankruptcy. At High Tech, we have the knowledge to evaluate your property insurance needs and create solutions which are not only effective but cost effective. With the proper risk assessment and coverage designs, we give this financial security to your enterprise.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Construction Insurance

Dependable Coverage And Steadfast Service

If you're reading this page it means you have construction risk. Being a developer, a builder or a tradesman you understand risk in a way most business owners don't. You expose yourself to risk every time you sign an agreement, hire a contractor or swing a hammer. Here at High Tech, we understand you. At our office we have dedicated construction specialists who know what you do and what risks you face. Let us show you the value we bring to our development and construction clientele on a daily basis.

Areas of practice include:

  • Development of rental housing
  • Development of for-sale housing
  • Common interest development (condo, town home and PUD)
  • Commercial and industrial development
  • Residential contractors
  • Commercial / Industrial Contractors
  • Contractual risk management (risk transfer)

Regardless of your construction niche, we can help you obtain the right protection. Contact a High Tech Insurance Agent to understand your options.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Crime or Fidelity Protection

Dependable Coverage And Steadfast Service

Nobody wants to think their employees would possibly steel from them, but in the unfortunate event you fall victim to crime committed against your business by one of your employees, fidelity and crime insurance can protect you from loss of money, securities, or inventory. Typical employee theft claims often range between $50,000 and $200,000. These are not small numbers and this type of loss can be devastating to a business. Employee theft can be especially painful if money dedicated to employee pension plans or money held in trust for a customer or a client is stolen. Advances in technology have given us all greater flexibility and ease of doing business. However, these new technologies have produced new ways to tempt employees into steeling from their employer. The prudent business owner wishes to protect themselves from the risk that this loss could happen to them. Let us examine your business risk in this area and provide cost effective solutions to possible financial loss.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Crop Insurance

Dependable Coverage And Steadfast Service

Crop insurance is used by farmers to reduce or manage various risks associated with growing crops. Such risks include crop loss or damage caused by all sorts of natural disasters such as weather, drought, frost, insects, or disease. Consider how the policy you would buy will work to insure the best possible outcome each crop year. At High Tech, we are knowledgeable about Crop Insurance and can assist farmers in selecting a first-rate insurance plan.

We Insure Against:

  • Adverse Weather
  • Fire
  • Wildlife
  • Insects
  • Disease
  • Natural Disasters

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Directors & Officers Liability

Dependable Coverage And Steadfast Service

Corporate authority has many risks, including risk to the individual Directors and Officers. Publically traded companies carry this protection to help protect the assets of their Directors and their Officers. It is also common among private companies that need this protection. Both public and private companies can face allegations of management errors and these claims can come from investors, stockholders, governmental regulatory agencies, as well as unrelated third parties. Your general liability insurance can protect you against many claims for bodily injury and property damage, but what about allegations of financial harm resulting from your executive management decisions. Let our experts at High Tech review your operations and advise how this crucial protection can cover many risks from your executive management activities.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Earthquake & Flood

Dependable Coverage And Steadfast Service

Earthquake Insurance One of the aspects of living in California is having been through an earthquake. You may have seen quakes which don't cause much damage and you've seen the quakes that destroy businesses and homes. The trouble with assessing the risk posed by an earthquake is "when" and "how much." When so many businesses have most of their assets tied up in facilities and inventory, you may not want to insure this with your own checkbook. Talk to a High Tech representative and let us help you evaluate your risk in this area and provide coverage and pricing for you to make an educated decision about earthquake risk.

Flood Insurance Did you know most home and business insurance policies don't cover flood losses? Flood insurance is intended to restore portions of your property due to a general but temporary flooding condition, upon normally dry land, resulting from surface water or water from tides or inland bodies of water. You can have peace of mind knowing you’ll receive a high level of customer service when you need it most. A flood policy will not respond to your loss unless the size of the flood involves two or more adjacent properties or at least two or more acres of normally dry ground. If you are in a FEMA designated "Special Flood Hazard Area" your mortgage company will require you to carry this protection. However, if you are not in one of these areas, you likely do not have this protection. Heavy rains and overwhelmed municipal sewer systems have often resulted in enough standing water to enter your building and cause thousands in damage. Let us talk to you about flood coverage and find out if this protection is right for you.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Employment Practices Liability

Dependable Coverage And Steadfast Service

No matter how many people you employ, you face a unique risk. Mandates for employers are under greater today than ever before to provide a workplace free of discrimination and any appearance of unfair treatment. Every hiring decision may bring outsiders second-guessing your decisions not to hire a specific individual and even your decisions to promote or not to promote within your company. Today there is an inherent risk in human resource management. Legal expenses for a simple defense on one claim can be astronomical. Let us demonstrate to you how you can transfer this risk to an insurance company at a premium that is surprisingly affordable.

Some Of The Allegations Covered By This Type Of Protection Are:

  • Unjust discharge or termination of employment
  • Breach of employment contract or quasi-employment contract
  • Employment-related misrepresentation
  • Violation of employment discrimination laws (including workplace harassment)
  • Wrongful failure to employ or promote
  • Wrongful deprivation of a career opportunity
  • Negligent evaluation
  • Invasion of privacy
  • Employment-related defamation
  • Employment-related wrongful infliction of emotional distress

If you are have or are hiring employees, you should review your options with a High Tech Agent to learn more.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

General Liability

Dependable Coverage And Steadfast Service

Commercial General Liability insurance gives the protection you and your organization needs from claims that you have caused injury or damage to another person or their property. These accidents are the result of your normal operations. If you offer a service, operate a retail or wholesale business, manufacture or sell a product, there is a risk resulting from your business activities. The important thing to understand is this type of liability insurance does not protect you from all operational risks. A liability policy only protects you from the "casualties" or specific risks listed in the policy itself. This is why it is important to use a skilled professional to create your liability protection. High Tech professionals maintain the utmost level of training and expertise to allow them to match your risks with the right protection.

Some Of The Allegations Which Can Be Covered By This Type Of Protection Are:

  • Bodily injury to an unrelated third party
  • Property damage to property you do not own, rent or lease
  • Products liability for products you manufacture, sell or distribute.
  • Legal costs resulting from a covered liability claim
  • Allegations of libel and slander
  • Allegations that you appropriated someone else's way or style of doing business
  • Violation of another's right of private occupancy
  • Liability risk associated with international trade or travel

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Intellectual Property

Dependable Coverage And Steadfast Service

Accusations of infringement upon the copyright, trademark or patent of an individual or enterprise is provided by Intellectual Properties Insurance. These infringement claims may come from design, manufacture, distribution or importing of goods and services. Infringement claims can also be used by A competitor may use infringement claims to squeeze you out of the market, hoping you do not have the resources to adequately defend yourself. The cost for legal defense can be the most expensive type of defense you can possibly mount. In today’s legal environment this protection can prove important to the protection of your goods or service you have developed over the years. Contact a High Tech agent and let us offer a free appraisal of your Intellectual Properties risk needs.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

International Business Insurance

Dependable Coverage And Steadfast Service

With the business world getting smaller and the creative companies now operating or conducting business across international borders your standard liability policy will not follow you. You can depend upon fair and non-discriminatory treatment here in the United States following an accusation of injury or damage. However, the same does not hold true for most other countries. Look after yourself or your employees who travel with international rights and liability protection. Speak to a High Tech professional about your international risk and let us show you how little it costs to have peace of mind for you and your staff abroad.

Some Of The Risks Which Can Be Covered By Our International Protection Include:

  • International General Liability
  • International Product Liability
  • Export & Credit Insurance
  • Kidnap/Ransom and Extortion
  • International workers' compensation
  • International travel, medical and life Insurance
  • Repatriation

Contact us for more detailed information, and we will be able to customize coverage for your specific needs.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Loss of Business Income

Dependable Coverage And Steadfast Service

Loss of business income insurance coverage replaces income lost by a policyholder, who is paying employee wages, if a business is out of operation in the short term because of any natural disaster. Business owners are often aware of their need to cover the replacement value of their assets, but a disaster can take more of a toll on your business than just its assets. Verify that your business is properly covered - contact a High Tech Insurance Agent to validate your compensation for loss resulting from peril.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Marine Insurance

Dependable Coverage And Steadfast Service

"Marine" Insurance is a very broadly used term in the insurance industry. Basically if you move or store your property away from your permanent location, declared in your commercial property policy, you should have this protection to properly protect that property. Goods which are shipped to or from a foreign port, goods stored at a domestic or foreign port, goods transferred on land by truck, plain or train can all be protected from loss at a very affordable rate. Transports will not provide adequate protection for your property. At High Tech, we create Ocean and inland marine protection programs to move your property anywhere in the world right to your door step or to your customer's door. Consult with a High Tech professional and let us show you how this coverage can correspond well within your insurance agenda and within your financial plan.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Professional Liability

Dependable Coverage And Steadfast Service

Professional Liability insurance is intended to supply protection for the performance of your services to others or the professional advice you give to your clientele. This simple means you are protected against all claims you did something you did or did not do as a “professional”. We know you possess the skill set to practice your trade or profession and your goal is to use those skills to help others. Every type of professional activity does not come without risk. There will always be those who will second-guess your work or advice. With professional liability insurance you are allowed to apply your profession in today's market without the fear of "what if someone accuses me of making a mistake." Choosing the right professional liability insurer allows you to get back to work quickly and as your risk management partner will carefully handle these accusations on your behalf. Talk with a professional at High Tech Insurance Solutions and we will style the right coverage to meet your needs.

Some Of The Risks Which Can Be Covered By Our Professional Liability Protection Include:

  • Architects and engineers professional liability
  • Real estate agents and brokers professional liability
  • Physicians and surgeons professional liability (medical malpractice liability)
  • Construction management professional liability
  • Accountants professional liability
  • Environmental professional liability

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Risk Assessments

Dependable Coverage And Steadfast Service

Establishing the risk you are willing to take is a major factor in determining the amount of insurance you will need to protect you and your company from loss, injury and cost of replacement. Evaluating your risk is complex and entails a broad and through assessment. Our risk assessment team at High Tech Insurance Solution is trained and expert in providing a thorough examination and judgment of the probability, quantitative risk, and the collective harm that you may face. Whether it is personal or business risk evaluation we will prepare a custom professional risk evaluation. Our risk evaluation team specializes in both personal and business risk evaluations. Become aware of your risk- contact a High Tech agent near you to schedule a risk assessment.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Technology Insurance

Dependable Coverage And Steadfast Service

Technology has created great opportunities for us all. And with these prospects there are also unique risks which may be new to new business managers in their specialized field. No matter which high tech field, Bio-tech, engineering, space or technology education, High Tech insurance has the technology experts to evaluate, manage and insure your risks. We would welcome the opportunity to review your current protection and tailor a personalized presentation of risk solutions for you.

Some Of The Tech Coverage’s Offered By High Tech Insurance Solutions Are:

  • General liability
  • Products liability
  • International liability
  • Errors and omissions liability
  • Breach of Contract
  • Product recall
  • Data Restoration
  • Data Breach
  • Denial of Service
  • Virus liability
  • Libel, slander and Plagiarism
  • Intellectual properties
  • Crisis Management
  • Cyber extortion

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Umbrella or "Excess" Liability

Dependable Coverage And Steadfast Service

"How much liability insurance should I carry" is one of the most oft asked questions today. Many will tell you "as much as you can afford." The truth is everyone is different and there is no "one size fits all" type of protection out there. The average liability policy provides as much as one million dollars protection. What if you require greater limits of liability protection? This is where an umbrella policy comes in, it provides the same type of coverage your liability policy already provides, just more of it. For most of us, one million is not adequate to protect our business from today's risks. Arroyo can tailor liability programs from one million to one hundred million and we have the market relationships to achieve your desired protection level affordably. Speak with an Arroyo insurance professional and let us help you assess your needs and provide you with the right protection.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Wellness Programs

Dependable Coverage And Steadfast Service

Here at High Tech, we think that wellness is a choice.

Enjoy customized plans for healthier living, classes, weight control programs, and much more. Wellness programs have become an important part in showing your employees you care. Added benefits of a company wellness program are decrease healthcare costs, reduced absenteeism, and increased productivity. A focused wellness program not only helps you the employer, but also helps to maintain and improve the health of your employee’s.

Contact a High Tech Insurance agent regarding the merit and return on investment of an accurately designed program of wellness.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs

Worker's Compensation

Dependable Coverage And Steadfast Service

Workers compensation insurance in most states is required by law and is a complex system of laws and regulations. Being an employer puts you in the middle of ever changing regulations and laws not knowing where to turn for assistance. You are confronted with correct classification codes for your employees, handling audits by a regulatory agency or your insurance carrier, as well as managing new and existing claims. Here at High Tech, we retain experts in resolving your service and claims issues to create a safe working environment. As insurance professionals we will collaborate with you on your workers compensation protection to sustain one of the most crucial decisions you will make in the purchase of this insurance. We represent a great number of insurance companies and can obtain the most favorable terms available to you, regardless of where you conduct your business. Please call High Tech and let us prove to you how we can bring significant merit with our service.

We Center On

  • Evaluating insurable risk exclusive to your business
  • Offering solutions to manage your risks
  • Custom insurance solutions tailored to fit your business
  • Presenting the highest level of insurance coverage at the lowest cost
  • Risk management assessment available at your discretion
  • A team leader of a dedicated service group for your commercial insurance needs