要想在美国当一个成功的企业家, 商业保险必不可少,。商业保险能保护企业家免受因重大意外而受到的财产损失和责任风险的伤害。
To be a successful entrepreneur in the United States, business insurance is essential. Commercial insurance protects entrepreneurs from property damage and liability risks due to major accidents.
美国互惠财富集团为企业家及其员工规划完善的保险计划，避免因意外而造成无法负担的财物损失。依据您的具体情况、需求、目标及风险偏好，提供客制化的保险规划、顾问咨询和理赔协助，为每个企业提供全面的保障。
Sky Vision Insurance Agency provides a comprehensive insurance plan for entrepreneurs and their employees to avoid unaffordable property losses due to accidents. According to your specific situation, needs, goals and risk preferences, we provide customized insurance planning, consulting and claims assistance to provide comprehensive protection for each business.
产品特色 Feature of Product
涵盖企业运营中所面临的所有风险，如责任风险、火灾造成的财产损失、商业汽车/卡车风险、员工或专业人士人身风险，商用财产（土地/楼房/器械等）损失风险，可能的违约信用风险，保证金风险等等各式各类风险。
Covers all risks faced in business operations, such as liability risk, property damage caused by fire, commercial vehicle/truck risk, employee or professional personal risk, commercial property (land/building/equipment, etc.) loss risk, possible default credit Risk, margin risk, etc. various types of risks.
保险种类多样适用于各个行业 （常规责任险，产品责任险， 商业财务险，建筑物保险，收入损失险等）。
Various types of insurance are available for various industries (conventional liability, product liability, commercial financial, building, loss of income, etc.).
所有商业保险产品
All commercial insurance products
劳工保险Labor Insurance
加州法律规定， 所有企业家需要为员工购买劳工保险。主要用于员工因工作发生意外受伤或者疾病的医疗费，暂时不能工作的薪金损失，永久性残疾和死亡抚恤金。除了提供员工安全训练、加强安全防范，雇主们一定要有劳工保险的保护，才能避免因索赔和诉讼而导致的损失。 劳工保险的保费是由公司类型，员工的工作的性质来决定的。California law requires all entrepreneurs to purchase labor insurance for their employees. It is mainly used for medical expenses for employees' accidental injury or illness due to work, loss of salary due to temporary inability to work, permanent disability and death pension. In addition to providing employee safety training and strengthening safety precautions, employers must have labor insurance protection to avoid losses caused by claims and lawsuits. The premiums for labor insurance are determined by the type of company and the nature of the employee's work.产品责任险Product Liability Insurance
由于产品存在缺陷或者安全性能问题而给消费者造成人身伤害,死亡,或者财物损失，产品制造商以及经销商要依法承担法律赔偿责任。无论您是生产商，零售商，还是出口商，产品责任险均可提供责任险保障。Product manufacturers and distributors shall be legally liable for personal injury, death, or property damage to consumers due to product defects or safety performance issues. Whether you are a manufacturer, retailer, or exporter, product liability insurance provides liability coverage.商业汽车保险Commercial Auto Insurance
无论汽车/卡车是注册在公司名下，还是个人名下，只要用作商业用途，企业家就需要购买商业车险，其中包括责任险，车身险，以及医疗费等。Regardless of whether the car/truck is registered under the company name or under the personal name, as long as it is used for business purposes, entrepreneurs need to purchase commercial auto insurance, which includes liability insurance, body insurance, and medical expenses.综合责任险Comprehensive Liability Insurance
提供公司的常规责任险，财产险和收入损失险。常规责任险会承担对顾客的人身伤害，财物损失，医疗费用，诉讼费用等。财产险提供保障给公司的装潢设备，仓库存货，以及房产建筑物的财产损失。收入损失险提供保障给由于灾难发生造成生意中断的收入损失，保险公司会按照保单内容相应赔偿。The company's regular liability, property and loss of income coverage is provided. Conventional liability insurance will cover personal injury, property damage, medical expenses, litigation costs, etc. to customers. Property insurance provides protection to the company's decoration equipment, warehouse inventory, and property damage to real estate buildings. Income loss insurance provides protection for the loss of income due to business interruption caused by a disaster, and the insurance company will compensate accordingly according to the content of the policy.运输保险Transportation Insurance
为进出口或者内陆运输的货物提供保障，比如在船舶，飞机，汽车，火车等运输中的货物在中转期间因意外事故导致的货物损失。Provide protection for import, export or inland transported goods, such as the loss of goods caused by accidents during transit of goods in ships, planes, automobiles, trains, etc.施工过程险Construction Process Insurance
在施工过程中为建筑物或者储存的器材提供保障，避免因火灾或其它意外事故造成财物损失或者责任赔偿。Provide protection for buildings or stored equipment during construction to avoid property damage or liability compensation due to fire or other accidents.专业责任险Professional Liability Insurance
专业技术人员因提供建议或者服务给客户时，由于在工作中疏忽或过失，造成客户人身伤害或者财物损失。专业责任险会提供专业人士的责任赔偿和诉讼费用。这些普遍适用于房地产经济，律师，医生，会计师，建筑师和其它专业等。When professional technicians provide advice or services to customers, due to negligence or negligence in their work, they cause personal injury or property damage to customers. Professional liability insurance provides professional liability coverage and litigation costs. These are generally applicable to real estate economics, lawyers, doctors, accountants, architects and other professions.雨伞险Umbrella Insurance
为企业家提供额外的一般责任险保障。当面临的责任赔偿金额超过一般责任险的承保范围，雨伞险或为其赔偿剩余的金额。Additional general liability insurance coverage for entrepreneurs. When the amount of liability compensation faced exceeds the coverage of general liability insurance, umbrella insurance may compensate for the remaining amount.免责声明：限制和例外可能适用。 价格如有变更，恕不另行通知。 我们不保证或担保所提供信息的完整性和正确性，也不对所提供信息所造成的任何损失或损害负责。 请参考实际的保险公司文件或合同，了解参考计划和福利保险的条款，条件，限制或例外。
Disclaimer: Limitations and exclusions may apply. Prices are subject to change without notice. We do not warrant or guarantee the completeness and correctness of the information provided and we will not be liable for any loss or damage arising from the information provided. Please refer to the actual insurance company documents or contracts for the terms, conditions, limitations or exclusions of the referenced plans and benefits.