Marvel Insurance
Worker's Compensation Insurance
Serving San Diego and the surrounding areas
Why Pay-As-You-Go Workers Comp?
Workers’ comp policy premiums (annual cost) are calculated based on your business’ payroll expenses each year.
Traditionally, these plans required estimating your annual payroll expenses and paying a 20% downpayment and monthly installment payments based on this estimate.
Your insurance provider would then reconcile the difference between the estimated pricing and your final audited premium.
That large up-front cost is a substantial burden for many small businesses that manage their cash flows carefully, and estimated payroll can vary dramatically from the final cost, creating underpayment and overpayment headaches.
Pay-as-you-go worker’s comp is an incredible innovation to this dated system.
Pay-as-you go relies on real-time payroll numbers to calculate monthly workers’ comp premiums per pay period, resulting in more accurate premium payments. This means smoother cash-flow management, less risk of paying too much or too litle throughout the year, and much more predictability for the business owner.
It just makes sense.
Benefits of Marvel Insurance Pay-As-You-Go Workers’ Comp
It’s the same great workers’ compensation insurance with an easier, faster, and more affordable structure.
- Saves time with swift reporting
- Improves cash flow with small payments per pay period compared to a 20% down payment and monthly installments
- Minimal audit variances – less under- or over-payments
- Integrates with most Payroll vendors (learn about Marvel’s Payroll options here)
Marvel Insurance carries the top national and regional insurance providers to find a plan that fits your business and your budget:
- Hartford Work Comp
- Travelers Work Comp
- Guard Work Comp
Experienced Workers’ Comp Providers In San Diego
When it comes to worker’s compensation near San Diego, Marvel Insurance has the options, prices, and flexibility to fit your business’ needs.
If your employees are injured or become ill from their job, these benefits are intended to help cover medical expenses, provide disability benefits, replace most of their lost wages if they take time off of work to recover, and more.
California law requires all businesses to carry worker’s compensation insurance, but not every company does.If your employees are injured at work and you don’t have worker’s compensation insurance, you could lose hundreds of thousands of dollars in lost wages and lawsuits. You could also be fined a minimum of $10,000, face imprisonment for up to one year, or both.
We can help you find the right policy for your business needs at a price that fits within your budget.
Options That Make Sense
Worker’s compensation insurance is mandatory in the state of California, and Marvel Insurance has covered thousands of small businesses with fast, affordable, and high-quality workers’ comp.
Whether you’re a small business or a large employer, you need peace of mind that your business is covered.
If you’re looking for workers’ compensation insurance, we’ve got great options:
- A simple process for getting started and filing claims
- Top-notch support and experienced representatives, so you can get answers fast
Get Pay-As-You-Go Work Comp in San Diego
Get work comp on your terms with Marvel Insurance.
Our experienced team has seen hundreds of businesses like yours and has the familiarity to help you find the right plan at the right price.
Get in touch to learn more and get a free workers’ comp quote today.
Commercial Insurance
The Right Fit
At Marvel Insurance, we save your business time and money.
With Marvel Insurance, you get commercial and liability insurance from a trusted, family-owned insurance provider in San Diego.
You get the right coverage and peace of mind.
What We Offer
Serving San Diego and the surrounding areas
General Liability Insurance
Getting general liability insurance in San Diego has never been more convenient or transparent.Every business needs to protect themselves from all types of liability exposure. Lawsuits related to premises and operations could end up damaging a business without the correct protections in place.
General liability insurance coverage could protect your San Diego business from unexpected disasters and expenses that today’s business owner cannot afford to go without.
With the right general liability policy in place, you can protect your business, your assets, and your time from the everyday exposures your business faces. We will make sure you’re ready for the unexpected.
At Marvel, we’ll take a close look at your business’ needs and risks to find you an affordable, comprehensive general liability plan that suits your needs.
Business Owner’s Insurance Policies (BOP)
For some businesses, a comprehensive Business Owner’s Policy that combines more than one form of risk may be the most convenient and affordable option.
Business Owner’s Policies (BOP) allow you to create a customized insurance policy that combines Property, Commercial General Liability, and other forms of insurance with any additional coverage type based on your needs.
That might include Business Income Insurance to cover interruptions to business operations; insurance coverage for inventory loss; and many others. No matter your situation, we’ve got a BOP to fit your business.
Commercial Auto Policies
Many business owners are surprised to learn that certain vehicle types and those used for various types of business purposes are NOT covered under their personal auto coverage.
Get business auto insurance that makes sense for your business and your budget with the expertise of Marvel Insurance.
Whether you’re conducting a service or hauling tools and equipment in a work van, let the experts at Marvel Insurance find the correct Commercial Auto Coverage for your business needs––so you can focus on the road!
Commercial Property Insurance
A quality commercial property insurance policy covers your business from everything related to the loss or damage of property due to events like fire, theft, bad weather, and other common hazards. Businesses are at risk due to the indirect costs and circumstances beyond their control.
Commercial Property coverages are available with a range of flexible options designed with these types of risks in mind.
Marvel Insurance has been providing business insurance in San Diego for years and is ready to tackle your situation with the right plan.
Insurance for Businesses,
Insurance for Peace of Mind
Marvel makes business insurance simple.
If you’re looking for commercial insurance in San Diego, Marvel’s experienced team can help assess your business’ unique risks and navigate the complexities of commercial insurance options to create well-priced plans that cover your needs.
Every business is different, and insurance requirements (both risk and legal) can vary.
We know the ins and outs of getting business insurance, and we work with nationwide insurance policies to tailor commercial insurance coverage to your business’ requirements.
We do it all, and we can help you identify precisely what you need.
- Commercial Auto
- General Liability Insurance
- Business Owners Policy
- Professional Liability
- Commercial Property Insurance
- Commercial Umbrella
- Workers Compensation
- EPLI (Employment Practices Liability)
You name it…
Business Insurance Coverage in San Diego
Let’s talk business (and business insurance policies) today.
We love to work with passionate business owners to help you get the commercial insurance coverage you need at the right price.
Contact Marvel to learn more about business insurance policies and get a free quote today.