Rincon Insurance Agency
Rincon Insurance Agency is a mother-daughter independent insurance brokerage based in Southern California. Co-founders, Lisa and Julia Rios are born and raised in the coastal town of Carpinteria. We bring the core tenants of loyalty and integrity that are found in our small town to all of our customers.
Interior Decorator Insurance
Rincon Insurance offers insurance policies specifically tailored to meet the needs of professional decorating services for residential or commercial interiors. Protect your business against a variety of risks, including general liability, which covers third-party bodily injury and property damage; professional liability (E&O), which protects against claims of negligence, errors, or omissions in your decorating services, such as using incorrect materials, measurement errors causing delays, and financial losses due to missed deadlines; commercial auto, which provides insurance for vehicles used in your business operations; and workers' compensation, which provides benefits to employees who suffer work-related injuries or illnesses. Additionally, we offer management liability coverage that includes Directors and Officers (D&O) insurance, Employment Practices Liability (EPL) insurance, Fiduciary Liability (FID) insurance, Crime insurance, and Cyber Liability insurance, providing comprehensive protection for your business operations and leadership.
Dedicated agents securing the coverage you need
Tailored protection for unique requirements
At Rincon Insurance, we stand out as an independent insurance agency, and this sets us apart in the industry. We have the flexibility to work with multiple insurance carriers, providing you with a broad spectrum of options and allowing us to tailor solutions precisely to your insurance requirements. With our independence comes an unbiased approach, where our priority is to serve you. Our commitment is to your best interests, empowering you to make informed decisions about your business insurance needs.
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Common Questions
What types of interior decorators need insurance?
We offer tailored insurance plans to meet the specific needs of different interior decorating projects. Our specialized plans include:
Residential Interiors: Provide beautiful and safe homes for your clients with confidence, knowing you’re covered against unforeseen events.
Commercial Interiors: Ensure your commercial decorating projects run smoothly with comprehensive coverage for larger and more complex projects.
Home Staging: Make properties stand out in the real estate market with insurance that covers your staging materials and potential liabilities.
These plans are designed to address the unique risks associated with various types of interior decorating projects, ensuring comprehensive protection for your business.
Types of accidents covered
Customer Lawsuit
Ex. Put customer cabinets in wrong and was sued by customer
Computer Virus & Stolen Customer Information
Ex. Opened a malware link on email and all company accounts got hacked.
Employee Accident
Ex. Worker fell off ladder while putting up chandelier.
Car Accident
Ex. Employee got into an accident while going to customer location.
What does Management Liability include?
Management liability insurance includes several key coverages: Directors and Officers (D&O) insurance protects the personal assets of directors and officers if they are sued for wrongful acts while managing the company. Employment Practices Liability (EPL) insurance covers claims made by employees alleging discrimination, wrongful termination, or harassment. Fiduciary Liability (FID) insurance protects against claims of mismanagement of employee benefit plans. Crime insurance covers losses due to theft, fraud, or embezzlement by employees or third parties. Cyber Liability insurance provides protection against cyber-related risks, including data breaches and hacking. This comprehensive protection helps safeguard your business operations and leadership from various potential risks.
What does Professional Liability include?
Professional liability insurance, also known as Errors and Omissions (E&O) insurance, protects against claims of negligence, errors, or omissions in your professional services. It covers legal defense costs, settlements, and judgments arising from claims such as using incorrect materials, measurement errors causing delays, and financial losses due to missed deadlines. This coverage is crucial for maintaining your professional reputation and financial stability.
What does Commercial Auto insurance include?
Commercial auto insurance provides coverage for vehicles used in your business operations. It helps cover damages and liability resulting from auto accidents, including medical expenses, property damage, and legal fees. Whether you or your employees are driving company-owned vehicles, this insurance ensures that your business is protected on the road.
What does Workers Compensation include?
Workers' compensation insurance provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs, and protects your business from lawsuits related to workplace accidents. This coverage is essential for ensuring the well-being of your employees and maintaining compliance with state regulations.
What makes Rincon Insurance different than traditional agencies?
We are independent insurance brokers dedicated to providing the best quality, service, and rates for our customers by comparing multiple companies. By using Rincon Insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and necessary when filing a claim. A local, independent agent, such as Rincon Insurance offers quality insurance with competitive pricing and personalized service.