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Commercial Insurance for your Business
As an independent insurance broker, I work with multiple insurance markets to explore available coverage options based on your business and insurance needs.
Call or Text: 805-479-7994Every business is different — and so are its risks. I take the time to understand your operation, your industry, and your exposures before recommending coverage. Here's a look at the full range of commercial insurance solutions I offer.
General Liability
The foundation of any business insurance program.
General Liability insurance typically provides coverage for third-party claims involving bodily injury, property damage, and personal and advertising injury. For example, if a customer is injured at your business or your work causes damage to someone else's property, the policy may provide coverage for legal defense costs, settlements, or judgments, depending on the circumstances and policy terms. General Liability is also commonly required by commercial leases and contracts. Coverage varies by policy and insurer.
Ideal for: All businesses, contractors, retailers, service providers
Workers Compensation
Coverage for work-related employee injuries and illnesses.
Workers' Compensation insurance is required for many employers, with requirements varying by state. It typically provides benefits for employees who experience work-related injuries or illnesses, which may include medical expenses, a portion of lost wages, rehabilitation benefits, and other benefits as provided by applicable law and the policy. Workers' Compensation may also provide certain employer liability coverage for work-related claims. I work with multiple insurance markets to explore available Workers' Compensation options for businesses, including higher-risk industries such as construction, towing, and excavation.
Ideal for: All employers that have employees or even 1099 workers
Commercial Auto
Coverage for vehicles used in your business operations.
Commercial Auto insurance can provide coverage for vehicles owned, leased, or used in your business — from a single work vehicle to a fleet. Coverage options may include auto liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and other available coverages depending on the policy and insurer. I work with businesses including towing companies, contractors, and transportation businesses to explore available Commercial Auto insurance options.
Ideal for: Contractors, towing companies, delivery, transportation, any business with vehicles
Commercial Property
Coverage options for buildings, equipment, inventory, and other business property.
Commercial Property insurance can provide coverage for physical business property such as buildings, equipment, inventory, furniture, and other business assets. Depending on the policy, coverage may apply to losses caused by fire, theft, vandalism, windstorm, and other covered causes of loss. Whether you own or lease your business location, Commercial Property insurance can be an important part of protecting the property your business relies on. Coverage varies by policy and insurer.
Ideal for: Offices, warehouses, any business with physical assets
Professional Liability / E&O
Protection when a client claims your advice or service caused harm.
Professional Liability (also called Errors & Omissions or E&O) insurance protects professionals from claims that their advice, services, or work caused a client financial harm. Even if the claim is unfounded, defense costs alone can be devastating. This coverage is essential for consultants, real estate professionals, technology companies, healthcare providers, and anyone who provides professional services for a fee.
Ideal for: Consultants, tech companies, real estate, healthcare, financial advisors
Umbrella & Excess Liability
Extra protection when a major claim exceeds your primary limits.
An Umbrella or Excess Liability policy provides an additional layer of coverage above your primary General Liability, Commercial Auto, and Employers Liability policies. When a serious accident or lawsuit exceeds your underlying policy limits, the umbrella steps in. It's one of the most cost-effective ways to significantly increase your protection — especially for businesses with higher exposure.
Ideal for: Contractors, businesses with significant assets, higher-risk operations
Inland Marine
Coverage for tools, equipment, and property on the move.
Inland Marine insurance can provide coverage for tools, equipment, and other business property while at job sites, in transit, or temporarily stored away from your primary business location. Commercial Property policies may provide limited or no coverage for certain property while away from a scheduled location, depending on the policy. Inland Marine coverage can help address these exposures and is an important coverage to consider for businesses that regularly transport or use tools, equipment, or other property away from their primary location.
Ideal for: Contractors, landscapers, equipment rental, businesses with mobile equipment or property.
Group Medical, Dental & Life
Attract and retain quality employees with competitive benefits.
Offering group health, dental, and life insurance benefits helps businesses attract and retain quality employees in a competitive market. I work with multiple carriers to find group benefit plans that fit your budget and your team's needs — from small business plans to more comprehensive packages for mid-size workforces. I'll help you navigate the options and find the right fit.
Ideal for: Businesses with employees looking to offer competitive benefits
Not Sure What Coverage You Need?
That's exactly what I'm here for. Let's talk through your business, your risks, and your budget — and I'll help you build a coverage program that makes sense.
Call or Text: 805-479-7994