Commercial Insurance
Coverage built for California businesses.
From a single-owner LLC to a growing fleet operation — we structure commercial insurance programs that match the real exposures of your business, clearly explained and competitively priced.
What we cover
Commercial insurance for every exposure
We write the lines that matter most to California businesses — from the basic requirements to specialty risks that most agencies can't place.
General Liability
The foundation of every business insurance program. Covers third-party bodily injury, property damage, and advertising injury. Required by most clients, landlords, and contracts.
- Most businesses need this
- Required by most contracts
- Certificates same day
Commercial Auto
Coverage for vehicles owned, leased, or used for business. Personal auto policies exclude business use — don't let that gap expose you.
- Owned & leased vehicles
- Hired & Non-Owned Auto
- Fleet or single vehicle
Workers' Compensation
Mandatory in California for any employer. Covers employee medical expenses, lost wages, and disability — and protects you from personal liability for on-the-job injuries.
- Mandatory for CA employers
- Covers all employees
- Protects against fines
Commercial Property
Protect your building, equipment, and inventory from fire, theft, and other covered perils. Add Business Interruption to cover lost income while you rebuild.
- Buildings & equipment
- Business Interruption add-on
- Replacement cost available
Umbrella / Excess
An extra layer of liability coverage that activates when your primary policies reach their limits. One of the best values in commercial insurance — often $500–$1,500/year for $1M additional protection.
- $1M–$25M additional coverage
- Activates over primary limits
- Affordable extra protection
Trucking
Purpose-built for for-hire motor carriers and owner-operators. Includes FMCSA-required primary liability, cargo, and physical damage — with all required federal filings handled.
- FMCSA filings included
- Cargo & physical damage
- New authority same-day
Contractors
Complete program for construction and trade contractors — GL, tools & equipment, Workers' Comp, and commercial auto. CSLB-compliant and same-day certificates for GC requirements.
- CSLB-compliant programs
- Tools & equipment coverage
- Same-day certificates
Specialty Lines
Modern risks demand modern coverage. Cyber Liability, Professional E&O, EPLI, D&O, and more — for businesses that need coverage beyond standard commercial policies.
- Cyber liability
- E&O / Professional Liability
- EPLI & D&O
Not sure what you need?
Tell us about your business and we'll recommend the right coverage — no pressure, no upselling.