CHWIS Works for California Businesses
California Hardware Insurance Solutions is a program designed to offer coverages suited for owners of independent hardware stores, lumberyards, and home centers operating in the Golden State.
We are committed to working with business owners as they navigate the unique demands and risks of operating in California.
CHWIS is proud to offer a variety of programs through Chubb, a company with a stellar reputation for superior service. Chubb is the world’s largest publicly traded property and casualty insurance company and the largest commercial insurer in the United States.
CHWIS selected Chubb because the company is well versed in helping mid-size and small businesses find the right coverages at a competitive price. We believe our clients will benefit by working with a company that’s dedicated to dependability, responsiveness, and service.
Our history of growing up in hardware stores and working in the insurance industry enables us to see your business from all sides. We know where to look for answers and get results for our clients.
Let us know how we can help you.
Business Owner’s Policy
Designed for hardware stores and home centers with up to $30M in revenue, BOP provides broad insurance protection for property and liability exposures. Of all the challenges a California business owner faces after a total loss, time is one of the biggest. The CHWIS program adds additional time endorsements on Business Income and Extra Expense, and Ordinary Payroll, giving business owners the necessary time to return their business to where it was before the loss.
Workers’ Compensation
Workers Compensation rates in California vary depending on your store’s location. For instance, Bay Area rates for 8017 is different than the Los Angeles 8017 rate. CHWIS helps manage that difference by working with a variety of insurance companies to ensure you are getting the most competitive rate.
CHWIS also works with the industry’s largest self-insured group in California. The self-insured group is made up of likeminded business owners. If you are looking for more stability on Workers Compensation rates and have good business practices limiting exposure for loss, then the self-insured group might be right for your business. Please contact us for more information.
Commercial Auto
Commercial auto rates are going up in California. Business owners can manage this cost by shopping around for the most competitive rate. CHWIS works with many insurance companies to help our clients find the best possible solution.
Data Breach
California law takes the privacy of its residents seriously. Privacy is an inalienable right guaranteed to California residents by the California Constitution.
If your business handles customer data or processes payment transactions, you’re at risk of a cyber-attack. Expenses associated with a data breach can quickly add up for a small business when the average cost of each compromised record is $217.
Data breach insurance, also known as cyber-liability or cyber-risk insurance, covers the costs incurred by your business in the event your electronically-stored data is compromised.
Umbrella
Umbrella insurance provides an additional layer of coverage over existing liability policies, (General Liability, Employers Liability, Auto Liability) offering your businesses even more protection.
EPLI
EPLI provides coverage to employers against claims made by employees alleging:
• Discrimination (based on sex, race, age or disability, for example)
• Wrongful termination
• Harassment
• Other employment-related issues, such as failure to promote