Commercial

Expert Advice for your Commercial Insurance Needs

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At Capax, we know that helping business owners reduce their risk goes beyond providing adequate insurance protection. We have a thorough understanding of the businesses we insure and offer advice and solutions that lower costs for our customers and improve their bottom line.

Our team of innovative professionals is known as a leader in our industry and our community and remain committed to exceeding our customers’ expectations when it comes to quality service and good advice.

With access to over 100 insurance carriers and a dedicated team of professionals at your side, you can be confident that Capax will provide the broadest, most comprehensive insurance protection available.

General Liability

As a business owner, you have enough on your plate without worrying about the possibility of a lawsuit. But without the proper protection, being sued can threaten the business that you’ve worked so hard to build and can create a serious distraction from your operations.

Having the right protection is critical in today’s world where you can be sued for almost any reason: Negligence, Personal Injury; Libel; Slander; Bodily Injury; Faulty Products.

General Liability insurance provides your business with the financial security and protects your assets from becoming vulnerable should you be sued.

Commercial Property

Commercial Property insurance covers a broad spectrum of tangible property, including buildings you own or lease, manufacturing and office equipment; furniture, computers, even loss of income when your operations are disrupted due to a covered loss, such as a fire.

At Capax, we know that a sound Risk Management program can mitigate your exposure to loss; which is why we provide our clients access to a suite of Risk Management Products and Services.

Commercial Auto

Whether you have just a few company vehicles or a large trucking fleet, auto exposures pose a serious threat to your company’s bottom line if not correctly controlled.

Commercial auto coverage and premiums can be managed through a variety of factors. Some you can control such as limits, deductibles, and driver selection; and some that you cannot such as auto repair costs; medical and hospital costs, lawsuits,and fraud.

At Capax, we have the tools to help you establish and maintain risk management techniques for controlling the frequency of accidents and improving driver performance through regular safety training.

Workers Compensation

At Capax, we know there’s more to workers’ compensation than reporting your payroll to the insurance company and paying premiums. That is why each member of the Capax Team of licensed professionals is also a Certified Work Comp Advisor.
If your agent has led you to believe that the only way to control costs is by shopping your insurance each year, then you could be missing significant savings opportunities.
Find out for yourself how having a Certified Work Comp Advisor as your agent will ensure that you are not overcharged.

Executive Liability

In today’s litigious climate, with the many new laws and regulations facing employers, the need for executive protection is greater than ever.
People who perceive they have been wronged often react with lawsuits that can cost millions of dollars to defend and settle.
At Capax, our business advisors are trained to educate and assist you in decisions about minimizing the risk of potential lawsuits and offering the essential protection you need.

Employee Benefits

Developing an employee benefits package is a demanding, time intensive task that can sometimes seem overwhelming, and your employees and their families depend on you to provide this essential benefit.
So doesn’t it make sense to partner with an expert?  At Capax, our goal is to make your job easier. We work closely with you and your Human Resources staff to keep you up to date on the ever changing laws to keep you in compliance with the Affordable Care Act while providing innovative employee benefit solutions for you and your employees.
We offer an employee portal website which allows employers to manage their HR functions and benefits, improve employee communication, as well as provide access to Human Resource Professionals.  That is just one example of the resources that you’ll have available to you as our client.

Marine Providers

CAPAX – Marine Providers works with marina operators, boatyards, marine construction, charter operations, and manufacturers to protect them while helping to improve the bottom line of the company. Our clients are primarily located within California. We work with clients on their insurance placements and have resources to help with ongoing employee matters and business operation issues.