Workers’ compensation, general liability, commercial auto, property and umbrella coverage for businesses and employers, from an independent broker who shops multiple carriers.
Pick a coverage to learn what it does, what it costs and what your contracts may require.
Required in California for every employer with at least one employee.
Injury and property damage claims, plus the endorsements contracts require.
Liability and property bundled for smaller, lower-risk businesses.
No call center, no runaround. You work with one licensed broker from first call to renewal.
Share your industry, crew size and current coverage so we understand what you need.
We compare options from multiple carriers and explain them in plain language.
Pick your coverage, and we handle your certificates, audits and renewals.
Send us the requirements from your contract, lease or credentialing packet, including the certificate holder, additional insured and waiver of subrogation, so we can review your request.
We work with employers across California. Pick your industry to see what businesses like yours usually need.
Don’t see your industry? We insure many other California employers.
Commercial insurance isn’t one product. It’s a set of policies, each covering a different kind of risk. Most businesses need some combination of these:
When you shop for commercial insurance, start with what’s required, then look at what could do the most damage. A practical order:
Not every business needs every policy. A cleaning company with no owned vehicles needs a different mix than a roofing contractor with three trucks. Our industries pages show common needs by industry.
An independent broker isn’t tied to one insurance company. That means we can compare options from multiple carriers and explain the differences in coverage, not just price.
It also means one person sees the whole picture. When your workers’ compensation, liability, auto, property and umbrella are reviewed together, gaps and overlaps are easier to spot, and certificates are more likely to match your contracts.
The right mix of commercial insurance depends on what you do and how you do it:
Each of these is easier to fix before a claim or audit than after. A yearly review before renewal catches most of them, and it’s a good time to ask whether your coverage still fits the business you run today.
You can request a quote when you’re ready. A quote request doesn’t bind coverage, and we’ll review options with you before anything is placed.
In California, workers’ compensation is required for every employer with at least one employee, and business vehicles must carry at least the state’s minimum auto liability limits. Other coverage is often required by contracts, leases or licensing rather than state law.
It can be for some smaller, lower-risk businesses. It doesn’t include workers’ compensation, owned vehicles or professional liability, so most businesses still need other policies.
A captive agent represents one insurance company. An independent broker can compare options from several carriers and recommend the one that fits your coverage needs.
Yes. Working with one broker for workers’ compensation, liability, auto, property, umbrella and benefits gives you one contact and a coordinated review.
At least once a year before renewal, and any time you add employees, vehicles, equipment, locations or new types of work.
Tell us about your business and we’ll compare commercial insurance options from multiple carriers.
Tell us a little about your business. A licensed broker will follow up.
