Insured
Your business
Orange County · Commercial lines
Product liability for your business.
Insurance needs can be complex when you import, distribute or manufacture. Omar Awad has served Orange County businesses since 2000, helping prepare commercial insurance submissions based on their operations and coverage needs.
2000In business since
OCOrange County based
0D68682CA Lic. #
Form specimen · not a binder
Certificate of Liability Insurance
Producer
Omar Awad — Advance Insurance
CA Lic. # 0D68682
714.350.9135 · 949.795.7004
Territory
Orange County, CA
Coverage options
- Products & completed operationsSpecialty
- Commercial general liabilityCGL
- Workers' compensationWC
- Business personal propertyBPP
Status
Awaiting submission
SPECIMEN
Who this is for
Businesses that carry product risk.
Product liability underwriting depends on the product, operations and requested coverage. A clear submission helps underwriters assess the exposure. We help businesses prepare that information.
Segment 01
Importers & distributors
Importers and distributors may face product liability exposure even when they do not manufacture the goods. Retailers and marketplaces may require evidence of insurance before accepting products.
Segment 02
Manufacturers & private label
Supplements, cosmetics, housewares, consumer electronics, packaged food. Underwriting requirements vary by product and business operations. We help describe those exposures in the submission.
Segment 03
Contract-driven suppliers
When a customer contract demands specific limits and additional insured wording by a deadline, you need someone who reads the contract first and quotes to it, not around it.
Schedule of coverages
What we place.
Commercial lines for Orange County businesses. Most accounts start with one line and round out from there.
Product liability
Products and completed operations cover for importers, distributors, manufacturers and private-label brands. Often written through surplus lines carriers when standard markets decline the class.
General liability
Premises and operations liability, additional insured endorsements, and certificates issued to meet landlord, customer and contract requirements.
Workers' compensation
Discuss workers' compensation requirements for your business, including employee duties, class codes and payroll reporting. Coverage and premium are subject to underwriting and audit.
Business personal property
Inventory, equipment, tenant improvements and stock. Important where a warehouse full of goods is the balance sheet.
Commercial umbrella
Additional liability limits above eligible underlying policies, subject to policy terms and underwriting.
Process
How a submission works.
An honest account of what happens after you call, including the part most agents don't explain.
STEP 01
We scope the exposure
What you sell, where it's made, where it's sold, annual sales, and any contract requirements you're working against. We discuss the information needed for your submission.
STEP 02
We build and market the submission
As a broker we work on your behalf, not an insurer's. We prepare your submission and seek available options through placing agencies, subject to underwriting.
STEP 03
You review terms and bind
If quotes are available, we review limits, exclusions and costs with you. Coverage requires your authorization and confirmation from the insurer or authorized placing agency. Certificates can be requested after coverage is confirmed.
The broker
Omar Awad
Advance Insurance has been in business since 2000, serving Orange County businesses. Advance Insurance is his practice — when you call, you reach the person handling your file, not a call queue.
He works as a broker, which means he represents you rather than an insurance company. His focus is the accounts that don't fit neatly into a standard quoting system: a product line a carrier hasn't seen before, a contract with unusual insurance requirements, a class of business that keeps getting declined elsewhere.
Most of his clients came from someone he'd already helped. That's the way he'd prefer to keep growing it.
Omar Awad · Advance Insurance
CA Lic. # 0D68682
Serving Orange County · By appointment
CA Lic. # 0D68682
Serving Orange County · By appointment
Request a quote
Tell us what you need covered.
The more detail here, the faster the first call goes. If it's urgent — a contract deadline or a certificate someone needs today — phone 714.350.9135 instead.
Please do not include Social Security numbers, payment details or sensitive personal information. Sending opens your email app with the details filled in. Submitting a request does not bind coverage, and no coverage is in force until a carrier issues a policy and you are notified in writing.