Workers’ compensation, liability, auto, property and umbrella coverage put together for how your business actually operates.
Most growing businesses need several policies working together. Buying them separately can leave gaps, overlaps and certificates that don’t match your contracts.
We’ll review your operations, your team and your contracts, then put together a package from multiple carriers.
Required for every California employer with at least one employee.
Including the endorsements your landlords and clients require.
For company vehicles, plus employees who drive their own cars for work.
Your building, contents and equipment, including equipment that moves between locations.
Your operations, locations and the kinds of clients you serve.
Employees, payroll, contractors and subcontractors.
Limits and endorsements your contracts require.
Buildings, vehicles and equipment you own or lease.
When your policies are built together, certificates are easier to issue and less likely to be rejected by a landlord or client.
Business insurance packages in California usually combine several policies, each with a specific job. When they’re planned together, each one picks up where another leaves off:
Gaps usually show up at the edges between policies. A few we see often:
Overlaps cost money without adding protection. Common ones include the same equipment insured on both a property policy and an inland marine floater, hired auto on both a BOP and a commercial auto policy, and higher-than-needed underlying limits when an umbrella would provide them more efficiently.
A combined review also makes certificates simpler. When additional insured, waiver of subrogation and primary and non-contributory endorsements are set up consistently across policies, the certificate your landlord or client receives is more likely to match the contract.
A few weeks before renewal, gather these so your package reflects your business as it is now:
You can request a quote or contact us to start a review. Requesting a quote doesn’t bind coverage. We’ll compare options from multiple carriers and explain the differences.
A few California rules shape how a business insurance package should be built:
These rules are why the workers’ compensation piece of your package needs as much attention as the liability limits.
A review of business insurance packages in California starts with how your business actually works, not with a list of policies. We’ll ask about:
From there, we look for gaps, overlaps and certificate problems, then compare options from multiple carriers. You decide what to keep, change or add.
If you already have policies you’re happy with, we can build around them. A package doesn’t have to mean replacing everything at once. Over time, we can line up renewal dates so the pieces stay coordinated.
Certificate problems are one of the most common reasons a new lease, client contract or project gets held up. They usually come from a mismatch between what the contract requires and what the policies actually say.
Before you sign, read the insurance section or send it to us. Look for required limits, additional insured forms, waiver of subrogation, primary and non-contributory wording, how long coverage must stay in place and umbrella requirements. Fixing a gap before you sign is easier than after.
Depending on your industry, a package may also include professional liability (errors and omissions) for advice, design or services, cyber liability for customer and employee data, employment practices liability once your team grows, liquor liability if you sell or serve alcohol, and surety bonds for contracts or licenses that require them.
Whether they make sense depends on your operations and contracts. We’ll explain what each one does before you decide.
Each industry weighs these pieces differently. A construction company focuses on workers’ compensation, subcontractors and completed operations. A transportation and logistics business puts more weight on commercial auto and cargo. Technology and professional services firms usually need professional and cyber liability, and a hospitality business looks closely at liquor liability and property. Our industry pages cover what each one usually needs.
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.
Not always. It depends on your industry, team and contracts. We’ll recommend what fits.
Yes. We can review what you already have and fill gaps.
Usually several policies, sometimes from different carriers, coordinated so limits, endorsements and renewal dates work together. Some carriers offer a package that combines general liability and property in one contract.
It often makes things simpler, especially for certificates and audits, but it isn’t required. We can work toward aligning dates over time.
It depends on your contracts and exposure. Many commercial contracts require limits above a standard general liability policy, and an umbrella is a common way to meet them.
Workers you treat as independent contractors may legally be employees under California’s ABC test, and uninsured subcontractors can add premium to your workers’ compensation at audit. Collect certificates and keep records for everyone you pay outside payroll.
Your current declarations pages, the insurance sections of your main leases and contracts, a vehicle and driver list, a property and equipment list with values and your payroll by job class.
Tell us about your industry and your team. We’ll put together options from multiple carriers.
Tell us a little about your business. A licensed broker will follow up.
