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Your Trusted Insurance Partner Since 1962

ISU Massie & Beck Insurance Services has been providing leading insurance solutions and consulting services since 1962.

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Your Trusted Insurance Partner Since 1962

Headquartered in Walnut Creek, California, ISU Massie & Beck has a nationwide presence offering comprehensive risk management solutions and consulting services designed for all your business and personal needs.

About ISU Massie & Beck Insurance Services

Licensed to operate in all 50 states, we leverage our extensive industry knowledge and relationships with hundreds of top-rated carriers to design customized programs to safeguard against the distinctive risks facing your business, family and assets.

As strategic advisors, we build long-term partnerships with local and regional businesses across a variety of industries, with particular areas of expertise in Manufacturing, Technology, Real Estate, Construction, Food and Distribution.

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Let Our Experience Help You Find Solutions For Your Insurance Needs

ISU Massie & Beck Insurance Services offers a variety of insurance by industry, business insurance, and personal insurance solutions to help you protect what matters most.

Explore Insurance Coverages

We offer insurance by industry tailored to help safeguard your business.

Safeguard the future of your business with business insurance solutions.

Protect what is most important to you with personal insurance solutions.

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

An Independent Agency Gives You Options

We proudly represent Zurich North America, Kemper, Safeco, and more!

Manufacturer
Commercial General Liability Insurance
Risk Factor

The manufacturing business is unique and comes with many exposures, which can lead to a potential lawsuit. What if a fire breaks out and damages the building and halts production, causing you to default on your delivery contracts? Would your business survive?

Solution

Commercial general liability insurance is an absolute necessity for a manufacturing business. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs.

Commercial Property Insurance
Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your manufacturing business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Business Interruption Insurance
Risk Factor

What would you do if a fire impacted the operation of your production line and prevented you from serving clients for a day or more? Or what if a pipe leak caused a system outage or extended downtime, leaving your production line inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if your manufacturing facility cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Product Recall Insurance
Risk Factor

When a product you manufacture is found to be defective and causes bodily injury or property damage to others, you may be held financially liable. Product recalls can be involuntary (required by a regulatory agency or the government) or voluntary (the manufacturer notices a defect that is unlikely to force an involuntary recall), and can be costly.

Solution

Product recall insurance covers expenses associated with recalling a product from the market. Coverage can include customer notification costs, shipping costs, and disposal costs. Coverage generally applies to the manufacturing business itself, though additional coverage can be purchased to cover the costs of third parties.

Workers’ Compensation
Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Business Auto Insurance
Risk Factor

As a manufacturing business, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by your manufacturing business and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Liability
Risk Factor

Losses and lawsuits are quite common in the manufacturing business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Motor Truck and Ocean Cargo Insurance
Risk Factor

As a manufacturer, you’re constantly shipping your cargo around the world either by land, air, or sea, which exposes your business to risk as a result of product loss, theft, or damage.

Solution

You can purchase ocean marine insurance for your products while your shipments of goods are in transit, whether it's by truck, rail, air, ship, or boat, and until they reach their final destination.

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Manage Your Policies

Already a client of ISU Massie & Beck Insurance Services? Visit our Service Center to make requests and manage your insurance.

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  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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