Business insurance
Business insurance, also known as Commercial insurance, protects your small business from unexpected losses that can result from accidents, property damage, professional errors, workers’ compensation claims, and other unforeseen circumstances.
Most business owners start with a Business Owner’s Policy (BOP), which combines the major property and liability coverages into one insurance policy.
Because business needs are unique, no two BOPs are alike. You can choose from a variety of options to tailor to coverages to your specific type of business. There are options that are best suited for restaurants, retail stores, legal and professional offices, contractors, amongst others.
Our Expert Advisors are committed to providing our business clients with the highest quality coverages available in California, for financial security and asset protection.
Business insurance helps protect business owners from financial damages.
Your Business is Our Business
Business insurance is a critical component of any successful company’s risk management strategy. We have coverages to protect your business.
We have Commercial insurance for every type of business - including yours!
Apartment - everything from small apartment building to large apartment complexes.
Auto Services and Repair
Business Consultants
Commercial Real Estate - including office buildings, retail shopping centers, self-store facilities, industrial parks, and warehouses facilities.
Construction and Contractor - including plumbers, electricians, landscapers, and painters.
Communications and Media
Creative Professionals - including photographers, videographers, make-up artists, and stylists.
Exercise Studio - including gyms, yoga studios, pilates studios, dance studios, and crossfit gyms.
Homeowners Associations
Manufacturing
Office - including doctors, dentists, lawyers, and consultants.
Printers and Publishing
Real Estate Agents
Restaurant insurance - including cafes, coffee shops, bakeries, and food trucks.
Retail store - including spas, salons, barbers, dry cleaners, boutiques, tattoo studios, and convenience stores.
Veterinarians
Wholesale goods and services
And many, many more. Contact us to discuss your business.
There are 4.1 million small businesses in California.
That means 99.8% of all businesses in the Golden State are small businesses.
These small and medium businesses collectively employ 7.5 million people, nearly half of all California employees.
We protect and secure small businesses in California.
Customized Coverages for all Business Types
Our Expert Advisors are experienced California Commercial insurance providers, and are dedicated to securing your business assets.
Our customized Business insurance policies start with these main coverages:
Property
Liability
Crime
Auto
Life
Loss control
Workers’ Compensation
Umbrella
We offer options for these main coverages to extend and maximize your protection:
Property - Business property coverage, Business personal property insurance, and Business income insurance.
Liability - Premises and operations insurance, Products and completed operations insurance, Cyber liability and data breach, and Employment Practices Liability.
Crime - Employee dishonesty coverage, Money and securities theft (external) coverage, Money order and counterfeit paper currency coverage, Forgery and alteration coverage, and Cyber liability and data breach response coverage.
Auto - Non-owned auto coverage, and Uninsured/underinsured motorist coverage. There are also specific options for food trucks which include: Mobile business interruption coverage, Mobile food vendor insurance, and an option for coverage for food spoilage and food-borne illness.
Life - Executive bonus plans that include life insurance or annuities, Key person insurance, and a funded buy-sell agreement.
Umbrella - to extend coverages when the costs of a claim surpass the limit of your underlying Business Liability policy or Commercial Auto policy
Supplement your existing Commercial insurance with a Business Umbrella policy to extend your coverages
Business Umbrella insurance can provide an additional layer of Liability insurance that begins at the limit of an underlying Business Liability policy.
Purchased in $1 million increments, it can provide up to $10 million of coverage for qualifying businesses with covered claims — and it allows you to help protect your business from risks like large jury awards.