Industries
Who we write for.
The businesses we see most, and the policies they usually end up carrying. If yours is a California business and is not on this list, it is still very likely one we can place.
Contractors & trades
Framers, electricians, plumbers, painters, and general contractors. We handle the certificate requirements GCs and the CSLB ask for, and the class-code questions that decide the workers’ comp rate.
Typical bundle
- General liability
- Workers’ compensation
- Commercial auto
- Tools and equipment (inland marine)
Restaurants & hospitality
Restaurants, cafés, bars, and caterers. Liquor liability, equipment breakdown, and food spoilage are added where they apply, and workers’ comp is written for the real headcount, not the one on the schedule.
Typical bundle
- Business owner’s policy
- Workers’ compensation
- Liquor liability
- Equipment breakdown
Trucking & transportation
Owner-operators to regional fleets, with the liability filings the DMV motor carrier permit and federal authority require. Cargo and non-trucking liability where the operation calls for it.
Typical bundle
- Commercial auto
- Motor truck cargo
- General liability
- Workers’ compensation
Retail & service businesses
Shops, salons, gyms, auto repair, dry cleaners. A business owner’s policy covers most of it; we add whatever the lease or landlord asks for.
Typical bundle
- Business owner’s policy
- Workers’ compensation
- Hired and non-owned auto
Professional offices
Accounting, real estate, consulting, medical and dental practices. Professional liability and cyber alongside the office policy, with limits that match the contracts you sign.
Typical bundle
- Business owner’s policy
- Professional liability
- Cyber liability
- Workers’ compensation