Commercial & business insurance for California, done right.
We compare multiple top-rated carriers to find the right coverage and price for your business — and send your certificates of insurance the same day.
Every policy a California business needs, under one roof.
Workers' Compensation
Required for California employers with even one employee.
Learn more →General Liability
Customer injury and property damage — the policy everyone asks for.
Learn more →Commercial Auto
Trucks, vans and fleets, including hard-to-place risks.
Learn more →Business Owners Policy (BOP)
Property and liability bundled — usually the best value.
Learn more →Lessor's Risk
Low-cost protection for buildings leased to tenants.
Learn more →Builders Risk
Structures and materials while under construction.
Learn more →Surety & License Bonds
CSLB license, bid, performance and payment bonds.
Learn more →Commercial Umbrella
Extra liability limits for big contracts.
Learn more →Lawyers Professional Liability
Legal malpractice coverage for attorneys and firms.
Learn more →We know your business — and the coverage gaps that hurt it.
Contractors
GL, workers comp, CSLB bonds and same-day COIs for every trade.
Restaurants & Bars
Liquor liability, spoilage, property and workers comp.
Landlords & Property Owners
Apartments, lessor's risk and commercial buildings.
Trucking & Fleets
Owner-operators to fleets, including tough-to-place risks.
Retail Stores
Inventory, liability and business income for shops.
Wholesalers & Importers
Product liability, cargo and warehouse coverage.
Covered in three simple steps.
Tell us about your business
A 3-minute online form or a quick call. We ask the right questions up front so there are no surprises later.
We shop the market for you
We compare multiple carriers side by side and give you a clear proposal — coverage, limits and price.
Sign, bind & get your COIs
E-sign from your phone. Your policy is bound and your certificates go out the same day.
Online quotes give you a price. We give you a plan.
Home and auto, handled by the people you trust with your business.
Including high-value homes and homes in high-fire-risk areas, where we have multiple carrier options when others say no.
High-Value & Wildfire-Area Homes
Multiple carrier options for hard-to-place homes.
Auto & Motorcycle
Several carriers compared in one call.
What our clients say
“After being dropped by State Farm after many years as a loyal customer, I was honestly frustrated and unsure where to turn... In the end, they found me a policy that is significantly better than what I had been paying to State Farm for decades.”
“He takes the time to fully understand my business operations, risks, and goals... It's rare to find a broker who is both highly knowledgeable and genuinely invested in protecting your business.”
“I've worked with the owner, Ed, for over 25 years... Ed has a strong command of insurance coverage and does a great job assessing risk, structuring policies properly, and ensuring there are no gaps in coverage.”
“When some major insurance companies stopped offering services in California, my insurance broker, Mr. Ed, had to search for new providers. After comparing several options, he found a new provider that met my needs.”
“Express Center insurance is my one stop shop for anything insurance. Ed and his team are always there to answer questions and help with certificates and other issues.”
“We've worked with Ed for over 20 years for almost all of our insurance needs. They always offer great solutions, fair pricing, and excellent customer service. Highly recommended!”
Based in La Crescenta. Insuring businesses all over California.
Stop by our office on Foothill Blvd, or get covered entirely by phone, email and e-signature from anywhere in the state.
California business insurance, answered
Do I need workers' compensation in California if I only have one employee?
Yes. California requires every employer to carry workers' compensation, even with a single part-time employee. Contractors also need a workers' comp certificate or exemption on file with the CSLB.
How fast can I get a certificate of insurance (COI)?
Same business day. Email or call us with the certificate holder details and we turn it around the same day, usually within hours.
What does an independent insurance broker do?
We aren't tied to one insurance company. We compare multiple carriers and recommend the best mix of coverage and price, at no extra cost to you.
What is lessor's risk insurance?
Insurance for owners of commercial buildings leased to tenants. It covers the building and the owner's liability, and is typically much less expensive than a standard business policy.
Can you insure businesses other agents have turned down?
Often, yes. Through specialty and excess & surplus lines markets we place trucking, bars, high-risk trades and other hard-to-place risks.
Do you only work with businesses in Los Angeles?
Our office is in La Crescenta, but we insure businesses across California. Everything can be done by phone, email and e-signature.