Types of Insurance

INSURING YOUR HOMES AND BUSINESSES

Coastal Point Insurance has been protecting local friends, family, neighbors and businesses against the inevitable bumps and bruises of life since 2012.

As an independent agent, we combine products provided by the most respected insurance providers into a custom package that meets your personal or business needs.

When you request a quote, we work hard to find discounts that apply to you. Our goal is always to give you the coverage you need at the lowest possible price.

Storm, fire, injury, accident – relax, Coastal Point Insurance has you covered.

REQUEST A FREE QUOTE NOW BY CALLING 619.356.8814 OR EMAIL @ INFO@COASTALPOINTINS.COM

Complete Business Insurance

If you own a business, you’ve got enough on your mind without worrying about what will happen if an employee is injured on the job or your roof is damaged in a storm.

Coastal Point Insurance helps you minimize your risk with a comprehensive array of products designed just for business.

  • General Liability
  • Commercial Property Insurance
  • Business Income Insurance
  • Professional Liability Insurance
  • Workers’ Compensation Insurance
  • Commercial Umbrella Insurance
  • Commercial Auto Insurance

Home & Property Insurance

The urge to protect our homes, the place where we lay our heads and raise our children, is universal. Coastal Point Insurance helps keep the castle safe and sound with comprehensive coverage that guards against theft, fire and storm damage.

We also insure other properties, including apartments, condos, mobile homes and property owned by your business. Ask your agent for a quote.

  • HO-1: Basic form insurance only offers dwelling protection.
  • HO-2: Broad form insurance extends beyond basic forms coverage to include personal belongings and additional perils.
  • HO-3: The most common type of homeowners insurance, special form insurance includes dwelling, belonging, and liability coverage
  • HO-4: Created specifically for renters, HO-4 policies protect personal property and liability but don’t include dwelling coverage.
  • HO-5: Comprehensive insurance is typically only considered for brand-new homes and includes more coverage than the special form version.
  • HO-6: Condo insurance covers limited parts of the structure of the condo, the items inside, and the owner’s personal liability.
  • HO-7: A mobile home policy offers a very similar level of coverage as the special form, but for mobile homes instead of standalone houses.
  • HO-8: An HO-8 policy offers a more robust coverage option for older and historically significant homes.

Cannabis Business Insurance

  • General Liability – offers broad protection against some of the most fundamental risks cannabis companies face. Known as “slip-and-fall” or “all-risk” insurance, this policy covers personal or property damage and bodily injury occurring on the business premises.
  • Product Liability Insurance – Cannabis companies that offer tangible products or services risk third-party lawsuits claiming bodily injury or property damage. Products liability insurance covers defense fees and settlements, even for ungrounded claims. This coverage is particularly critical in the cannabis space as testing and manufacturing aren’t regulated at the federal level.
  • Property Insurance – is a first-party insurance policy, reimbursing cannabis companies for direct property loss (i.e., vandalism, fire, or natural disaster). This policy covers real property, business personal property, and cannabis inventory.
  • Workers’ Compensation Insurance – Employers are typically responsible for their medical costs and lost wages when employees sustain work-related injuries. This policy covers these expenses, protecting employees while simultaneously keeping cannabis companies running smoothly.

619-356-8814 info@coastalpointins.com