Commercial insurance in California, compared across multiple carriers
One independent broker for every policy your business needs — from workers' comp and general liability to commercial auto, bonds and umbrella.
Business insurance policies we place
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 →Programs built for your industry
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.
How to buy commercial insurance in California
1. Start with what's required. California requires workers' compensation for any business with employees, and commercial auto liability for business vehicles. Contractors must meet CSLB bond and workers' comp requirements.
2. Read your contracts and lease. Landlords, general contractors and clients often require general liability with specific limits and endorsements such as additional insured and waiver of subrogation.
3. Protect what you own and your income. Property and business income coverage — often bundled in a business owners policy — keep you going after a fire or other covered loss.
4. Compare apples to apples. Two quotes are only comparable if limits, deductibles, endorsements and exclusions match. Our proposals lay them side by side.
5. Plan for growth. Umbrella limits, bonding capacity and accurate payroll and revenue figures keep you ready for bigger jobs and smoother audits.
Frequently asked questions
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.