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KC Wilson Insurance & Financial Services LLC

1654 The Alameda, Suite 210
San Jose, CA 95126

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Do I Need Commercial Insurance in California?

With upwards of 4 million small businesses in California, business owners must protect their investment to ensure their own financial success and the livelihoods of those they employ. To that end, businesses in California must have workers’ compensation insurance regardless of the number of full-time or part-time workers they employ. In short, workers’ compensation insurance helps pay for the medical bills and lost wages associated with an employee being injured or getting ill while on the job. In addition to workers’ compensation insurance, California businesses must also have commercial auto insurance on any company-owned vehicles. Keep in mind that this law only extends to vehicles that are owned by the business, so if your employees are required to use their personal vehicles for work-related functions, then you should strongly consider hired and non-owned auto insurance because the vast majority of personal insurance policies will not cover business use.

Although workers’ compensation and commercial auto insurance are the only two insurance requirements for businesses in California, there are additional policies that can be purchased for your business that help protects various aspects. For instance, cyber liability insurance protects small businesses from the exponential costs stemming from lawsuits, identity protection tools, fines, and much more, resulting from a data breach or hack. Other optional policies include general liability and professional liability insurance, which protect business owners from third party damages and errors or omissions. 

With so many options to choose from, selecting a commercial insurance policy can feel overwhelming. Lucky for you, the friendly and professional team at KC Wilson Insurance & Financial Services in San Jose, CA strives to make the process as easy as possible. Give us a call today to schedule a no-obligation consultation.

Home Insurance: Understanding What’s Really Covered

Buying a home is an exhilarating time, and when you choose a place you love, it’s understandable that you want to protect it. Fortunately, KC Wilson Insurance & Financial Services is available to help you do that. If you’re in or around the San Jose, CA area and you need home insurance, we’re here to make it is easier for you to get the policy you need, and that works for you. You don’t have to settle for a policy that might not give you good coverage or one that doesn’t give you peace of mind. Instead, you can choose something that’s a far better option for your needs.

A good insurance policy for your home protects it in several ways and works toward making sure any kind of claim you might have will be covered, so you don’t have to worry. It’s easy to be concerned about a large asset like a home, but that concern melts away when you know your insurance is offering exactly what you need in the way of a policy with strong protection that you can rely on. Your most important goal when choosing insurance for your home is understanding exactly what’s actually being covered, and we can help with that.

If you’re in or around San Jose, CA, and you need home insurance, reach out to us at KC Wilson Insurance & Financial Services today. We’ll help you find the policy that will work for you and provide the type and level of coverage you’re looking for. You don’t have to deal with sub-par coverage or many unanswered questions when it’s easier for you to work with a company that will make sure you’re getting the protection that you and your home deserve. We’ll be here to make sure you know what’s really covered by the policy you choose.

Why should you buy life insurance early?

Financial experts generally recommend having good saving habits, but insurance experts have a better way of helping you save money–life insurance. Life insurance, whether buying in San Jose, CA or any other area, comes with benefits, especially if you buy it at the right time. KC Wilson Insurance & Financial Services recommends buying life insurance in your 20s or early 30s. Wondering why?  Let’s discuss some of the benefits.

The younger you are, the easier it is to acquire a policy.

When it comes to timing, buying insurance while young is more straightforward than buying when older. Your premiums are lower at a younger age, your health is considered okay, and you have more working years than senior people. That means that your insurance company can invest in your money and get good returns by the time you need it.

The younger you are, the cheaper it becomes

Insurance companies in San Jose, CA are aware that not many young people consider buying life insurance in their youthful years. At this age, the majority of the youth are students still struggling to pay their college debts; others are just settling in their new jobs, while others are starting a new family. All these financial constraints can prevent a young person from buying life insurance.

The younger you are, the healthier you are, hence cheaper rates.

The biggest reason why you should buy insurance at an early age is to make sure you get your policy before you develop a chronic illness. Like any other insurance policy, you never know when something unfortunate will happen. Most chronic diseases and impairments tend to affect older people than young people. If you are found healthy, your life insurance premiums are substantially lower than when older.

Don’t wait till you are too old to buy insurance. The earlier, the better. If you need insurance or financial advice, KC Wilson Insurance & Financial Services is here to answer and provide all the support you need to make informed financial decisions. Try us today!

Shopping for Auto Insurance? Don’t Make These Mistakes

If you drive a car in San Jose, CA, you’re required to have auto insurance coverage. Auto liability is mandatory to pay for damages to others in accidents you cause. Working with a reputable insurer like KC Wilson Insurance & Financial Services will help you avoid costly mistakes in your coverage. Here are some major mistakes you’ll want to avoid when purchasing auto insurance.

Not Shopping Around

Auto policies differ in coverage and costs. Shopping around gives you a better idea of what different insurers have to offer so you can get the best deal in services, coverage, and costs.

Not Getting Enough Coverage

When purchasing auto insurance, it’s important to review your coverage options to ensure you get the protection you need. Otherwise, you may miss essential coverage that saves you money out of pocket. Your coverage should coincide with your lifestyle, driving habits, and the value of your car.

Paying for Unnecessary Coverage

“Generic” auto policies often include the coverage you don’t need but are paying for as part of the policy. By customizing your policy, you can maximize your protection and reduce your premium costs.

Compromising Services for Cost

The lowest-priced policy isn’t necessarily the best, especially if you’re compromising on services and protection to get that low price. It’s better to shop around for quality auto coverage that meets your need at a cost you can afford.

Choosing the Wrong Insurance Company

Insurance companies vary in the services and products they offer. If you choose a company with poor customer service, you may have a hard time collecting on a claim. By selecting a reputable insurer, you can get quality services and coverage, and save yourself time, money, and frustration in the process.

For quality auto insurance coverage in San Jose, CA at reasonable costs, contact KC Wilson Insurance & Financial Services.    

Auto Insurance in California: Things You Need to Know

If you are a car owner from California and you are shopping for auto insurance, there are some things you need to know before getting coverage. 

First of all, according to the Californian law, all vehicles registered in the state must be insured. This means that every car owner, even if with an out-of-state license, must follow the insurance requirements while driving in the state of California. 

The following types of liability coverage are required in California:

  • Bodily Injury Liability – This coverage will protect you if you are involved in a car accident and are liable for an injury or death of other drivers or passengers. The minimum bodily injury coverage in California is $15,000 per person, and the maximum amount per accident is $30,000. 
  • Property Damage Liability – This coverage protects you from paying for the damage of other vehicles involved in a car accident if you are found liable. The minimum property damage liability is $5,000. 

You have to carry proof of insurance whenever you are driving a car.  You need the following information to prove that you have the coverage, the insurance ID card, the name of the policyholder, the start and the end dates of the policy period, and the policy number. You can present electronic documents to prove your coverage as well.

If you are found to be driving in California without auto insurance, your car can be impounded, and your driver’s license – suspended. You can also receive a fine of up to $200 for the first offense and up to $500 – for each subsequent offense within three years. 

If you are shopping for auto insurance in San Jose, CA, KC Wilson & Financial Services will be glad to assist you. We are ready to walk you through this process and find you the best coverage according to your needs and budget. Call KC Wilson & Financial Services in San Jose, CA today to receive more information or get a quote.

Is Home Insurance Really Necessary?

Even though legally it is not required to have home insurance in California, those who have a mortgage will have to get some coverage according to a lender’s requirements. KC Wilson & Financial Services in San Jose, CA has also prepared you with the list of other reasons about why home insurance is something that you, as a homeowner, really need: 

Anything Can Happen

You never know what can happen to your house, and you need to protect it. For example, natural disasters, including floods and wildfires, are frequent in California. According to the statistics, every year, 1 in 250 homes suffer losses due to fires, and approximately 1 in 55 households are affected by floods. It really can happen to you. However, if you have home insurance, you know that all financial losses will be covered, so you have nothing to worry about. It is important to understand that a home policy will not protect you from flooding or earthquakes. Work with an agent to make sure your home is fully covered.

It Is Not Only About a House

If you have home insurance, your personal belongings will be covered as well. Therefore, if any of your furniture, electronics, clothing, or appliances were stolen or destroyed, an insurance company will reimburse you for their value. The best thing is that your personal belongings will be protected anywhere in the world  – whether they are in a house, at work, in a car, or somewhere else. 

Your Liability is Also Protected

Let’s say someone got hurt on your property, and you are responsible for the accident. Medical bills might be quite pricey, and paying them off may cost you a fortune. However, if you have home insurance, you are safe, and your insurance company will cover all the expenses related to the accident. 

If you still have any doubts or questions about home insurance, KC Wilson & Financial Services in San Jose, CA will be more than happy to provide you with all the necessary information. Call our company today to find the most comprehensive and affordable coverage for your house and yourself.

Our Partners:

  • Allianz
  • AmTrust
  • ASI
  • Chubb
  • CNA
  • CSE
  • Encompass
  • First American
  • Foremost
  • Great American
  • Guard
  • Hagerty
  • Hanover
  • Hartford
  • Hartford AARP
  • Kemper Preferred
  • Liberty Mutual
  • Mapfre
  • Markel
  • Mercury
  • MetLife