INSURING OUR LOCAL COMMUNITY FOR OVER 20 YEARS
Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy to protect you and your loved ones for years to come. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your needs.Our job is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way.We’ve successfully served hundreds of customers and are determined to treat each individual with respect and compassion. Shopping for insurance can be difficult, but our staff does the work for you. Maintain your peace of mind knowing that our insurance professionals have your back.
Services
Servicios
AUTO INSURANCE: To avoid serious problems in an event of an accident. The state has provided a legal requirement for auto insurance.
Auto insurance provides property, liability, and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
HOME INSURANCE: Homeowners insurance or property insurance is a policy that covers a private residence/home.
* HOW DOES COMMERCIAL PROPERTY INSURANCE WORK?
How does it work? What is Property insurance?You might think you only need property insurance if you own the building. however, if you rent or lease the space you will need Business Property Insurance to cover any items that is inside the building.Commercial Property Insurance helps protect your business items such as inventory, furniture, equipment, etc.*
* WHAT DOES COMMERCIAL PROPERTY INSURANCE COVER?
Commercial Property Insurance provides coverage for a wide range of Small Business needs.
Below is the 4 types of coverage when we are talking about Commercial Property Insurance.*
Auto insurance provides property, liability, and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
* COMMERCIAL PROPERTY INSURANCE COST?
The exact cost depends on the induvial situation and setup. The cost can be as little as $17 monthly, however, there are some factors that play into the estimate for Commercial Property insurance as shown below.*
Claim history
Amount of Limits
State where business is worked out of
Type of work
Work Experience
How many Employees
* WHO NEEDS A (BOP) BUSINESS OWNER'S POLICY?
BOP combines General Liability Insurance and Commercial Property Insurance into one package. This policy is usually more beneficial because it is less expensive than buying both separately.
Bop covers general liability risk such as damage to other peoples property, injury of customers or vendors and legal fees.*
* IS COMMERCIAL PROPERTY INSURANCE, RIGHT FOR YOU?
Although Commercial Property Insurance is not for everyone you need coverage if you:*
Own or lease equipment or inventory that can get stolen of damaged.
If you would have to close the business due to the business property being destroyed or broken.
If you run your business out of a physical location such as store, garage, home, leased or owned office.
BUSINESS & COMMERCIAL: Commercial insurance assists to help your business protect the business belongings that you use along with pay and other options.
TRUCKING INSURANCE: Trucking insurance helps protect your freight, cargo, trailers and much more.
Contact
Contacto
NEED HELP WITH YOUR POLICY? NEED HELP GETTING A QUOTE?
PLEASE REACH OUT TO US
SEE OUR CONTACT INFORMATION BELOW
Send Us an Email or Call us Today!!!
Customer Service: (909) 834-9127Policy Changes/ Endorsements: zenhiinsurance@gmail.comInsurance Certificates: zenhiinsurance@gmail.comSupport: zenhiinsurance@gmail.comInformation: zenhiinsurance@gmail.comAgent: Angel Zendejas (909) 834-9127Marketing Representative: Ruby Zendejas
Terms
&
Conditions
Términos y condiciones
ENDORSEMENTSRequest for ENDORSEMENT CHANGES must be ACTUAL AND TRUTHFUL. Any false or fraudulent information may result in denial or cancellation of coverage due to a breach of contract. Customers must fill out, sign and return the endorsement form along with the payment form and payment before any changes are made to their account. Changes will go into effect upon receipt of payment. PLEASE REACH OUT TO EMAIL ON THE CONTACT TAB FOR A COPY OF THE ENDORSEMENT CHANGES.ACH PAYMENTS DISCLOSUREClient Sign and complete the ACH form to authorize Zen-Hi Insurance services to make a one (1) time transaction to your checking or savings account. By Signing the form, you give us permission to ACH your account to the amount disclosed on or after the disclosed date. This is permission for a single transaction only and does not provide authorization for any additional unrelated debits or credits to your account.DEBIT/CREDIT PAYMENT DISCLOSUREThe client must Sign and complete this form to authorize Zen-Hi Insurance Services to make a one (1) time transaction to your Debit or Credit card. By Signing the form, you give us permission to Debit your account to the amount disclosed on or after the disclosed date. This is permission for a single transaction only and does not provide authorization for any additional unrelated debits or credits to your account.NSF, REFUNDS OR RETURNSCustomers understand that because this is an electronic transaction, the funds may be withdrawn from the account as soon as the noted transaction date of the form. In the case of the payment being rejected for Non-Sufficient Funds (NSF), the customer understands that Zen-Hi Insurance Services may at its discretion, attempt to process the charge again but not to exceed 3 times within 30 days, and the customer agrees to an additional $35-$45 charge for each attempt returned NSF, which will be initiated as a separate transaction from the authorized payment. customer acknowledges that the origination of ACH/debit/credit transactions to their account must comply with the provisions of U.S. law. If there is a cancellation or breach of contract agreement on or after payment has been processed by the broker or insurance company then the customer understands that Zen-Hi Insurance Services can take up to 30 days to return/provide refunds minus any fees including but not limited to NSF, Broker fee, Bank fee, and/or processing fees. The Customer acknowledges that they will not dispute Zen-Hi Insurance Services billing with their bank so long as the transaction corresponds to the terms indicated in the agreement.Text Message AgreementThe customer gives consent to Zen-Hi Insurance Services and any person acting on their behalf, to call, text the customer, or email the customer about auto insurance, its services, and/or any other type of policy or relationship that may now or in the future have any cell phone number provided or that could be obtained in any way, including but not limited to any assigned cell number or other phone services for which there may be a charge (standardized charge applies). Customer promises that they are the subscriber to the service of any number provided now or in the past and that I will not provide any cell phone number in the future for which they have not authorized subscribers unless they immediately inform Zen-Hi Insurance Services in writing that they no longer the subscriber of any number provided now or in the future. Customers understand that this agreement is not a condition of purchase for any service or product.SPECIAL POWER OF ATTORNEYCustomer appoints Zen-Hi Insurance Services as their Attorney-in-Fact, to act in their name and place and for their use and benefit in connection with obtaining and maintaining insurance for them. Customer grants to Broker, as their Attorney-in-Fact, full power, and authority to perform any act which may necessary or convenient in connection with any of the foregoing as fully as they might or could do in person, including without limitation endorsement of all premiums and return premiums, and execution and acknowledgment of all insurance applications, renewals, rewrites, endorsement and change requests, and other papers. Customer ratifies and confirms all that Broker, as their Attorney-in-Fact, shall lawfully do or cause to be done under the authority of this Special Power of Attorney.APPENDIX ASTANDARD BROKER FEE DISCLOSUREThis disclosure was prepared by the California Insurance Commissioner. Please** READ IT CAREFULLY!**I. Do not sign any broker fee agreement unless all of its blank lines and spaces have been filled in and you have read the entire document and the agreement carefully.II. Your insurance broker represents you, the consumer, and is entitled to charge a broker fee if he/she chooses. This fee is not set by law and may be negotiable between you and the broker.III. It is illegal for an insurance broker to charge you a fee for placing coverage solely with the California Automobile Assigned Risk Plan or the California Fair Plan. Fees may be charged for the placement of other coverages.IV. Broker fees are often non-refundable even if you cancel your coverage. Refer to your broker fee agreement to see if your broker fee is non-refundable. However, you may be entitled to a full refund of a broker fee if your broker acted incompetently or dishonestly. Unresolved disputes over non-refundable broker fees can be forwarded to theDepartment of Insurance for review.V. You are entitled to obtain and keep a completed copy of this disclosure and any broker fee agreement you sign.VI. Your broker may receive a commission from the insurance company(ies) for placing your insurance. This commission may be paid to your broker by the insurance company(ies) in addition to any broker fee you pay.VII. If you will be paying your premium in installments to a finance company, by law you must receive a copy of a premium finance disclosure and agreement. Be sure to obtain and read those documents before signing a premium finance agreement. Also, ask the broker if the insurer offers its own installment payment plan. Insurer installment plans are often cheaper than premium financing through a separate premium finance company.VIII. If your broker is placing automobile coverage, your broker must provide you with a copy of the current Department of Insurance pamphlet Automobile Insurance. If your broker is placing residential coverage, your broker must provide you with a copy of the current Department of Insurance pamphlet Residential Insurance. By signing this disclosure, you acknowledge receipt of the appropriate pamphlet(s)APPENDIX BYou have certain rights under state and federal law with respect to the privacy of information we obtain about you when you engage in insurance transactions involving insurance primarily for personal, family, or household use. Because we value our customer relationships, we do not sell customer information. We will only share your information for purposes of placing your insurance as otherwise permitted by law.This Privacy Disclosure outlines our information-sharing practices to help you understand how we protect your privacy when we collect and use information about you, and the measures we take to safeguard that information. Collection of Information: We collect nonpublic personal information about you as required to accurately place your insurance with the insurance companies. The nonpublic personal information that we collect about you come from the following source:
Information we receive from you on applications, forms, and questionnaires, including without limitation your occupation, current employer, address, birth date, marital status, driver’s license number, social security number, driving record, and health conditions.
Information about your transactions with us, our affiliates, or previous insurers, such as your policy coverages, claims information, premiums, and payments history;and
Information we receive from third party reporting agencies, such as motor vehicle reports which disclose driving history and credit.
Information We Disclose: We do not disclose information to third parties whose only use of the information is to market a product or service. However, we may disclose information that we collect about you to various institutions to allow us to provide you with our service. We may disclose the following nonpublic personal information about you:
Third Parties That May Be Disclosed Information: We do not disclose any nonpublic personal information about you unless allowed by California law. California law allows us to share your nonpublic personal information with our affiliates to market products or services to you. You cannot prevent these disclosure.
Medical Information: We will not disclose medical information about you unless allowed by California law or pursuant to your expressed written consent.
Correction of Nonpublic Personal Information: You have the right,upon written request to us, to access to and reproduction of nonpublic personal information about you in our possession, and to identification of those persons or entities that we have disclosed nonpublic personal information about you within two years prior to your request. Additionally, you have the right, upon written request, to correction, amendment or deletion of such non-public personal information, and, if we disagree with your request, to add your view to our records. In order to obtain your information, you must submit a written request to us.
Confirmation and Security: We protect your nonpublic personal information. The only employees who have access to that information are those who must have it to provide products or services to you. We maintain physical, electronic and procedural safeguards which comply with federal and state regulations to guard your nonpublic personal financial information.
Opt-Out: As we stated, we value your privacy and will take the necessary steps to protect your information. You have the right to prohibit the sharing of nonpublic personal information with any third parties. If you choose to exercise this right, you may communicate with our agency by anyone of the following methods: by regular mail P.O BOX 1451 Colton, CA 92324.In case of any questions or problems concerning broker fees or insurance, contact the Department of Insurance at 1-(800) 927-HELP.
Privacy Policy
política de privacidad
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.Who we share your data with
If you request a password reset, your IP address will be included in the reset email.How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.Where your data is sent
Visitor comments may be checked through an automated spam detection service.