Coverage built around you, shopped across many carriers.

Required in California for any business with employees, even one part-timer. Covers medical care and lost wages for work injuries and protects you from employee injury lawsuits. We help with class codes, experience mods and pay-as-you-go payroll options.

Third-party bodily injury, property damage, and personal & advertising injury claims. Often required by landlords and general contractors, with additional insured and waiver of subrogation endorsements we can turn around quickly.

Buildings, tenant improvements, equipment, inventory and business income after a covered loss. We review valuation (replacement cost vs. ACV), coinsurance and wildfire exposure carefully for Southern California locations.

Property and general liability packaged together for small and mid-size businesses, usually at a lower premium than buying each separately. Add-ons can include data breach, equipment breakdown and hired & non-owned auto.

Owned trucks, vans and fleets, plus hired and non-owned auto for employees who drive their own cars on company business.

Excess limits over your GL, auto and employer's liability; professional liability for service firms; cyber for ransomware and data breaches; and license, contractor and surety bonds.

Dwelling, other structures, personal property, loss of use and personal liability. In high wildfire areas we can pair a CA FAIR Plan policy with a Difference in Conditions (DIC) policy to rebuild full coverage.

HO-6 for condo owners (including loss assessment), HO-4 for renters, and dwelling fire (DP-3) policies for rental properties you own.

Liability, uninsured/underinsured motorist, collision and comprehensive, with multi-car and home-auto bundle discounts. We'll explain why the California state minimum limits rarely protect your assets.

Term life to protect income and a mortgage, and permanent life for long-term planning. We compare carriers on price and underwriting so you apply where you're most likely to be approved at the best rate class.

One to five million dollars or more in extra liability above your home and auto policies, typically for a few hundred dollars a year.

Earthquake coverage (standard home policies exclude it), motorcycles, RVs, boats, and scheduled jewelry and collectibles.