Commercial Coverage Built for Your Business

Every California / Texas / New York business faces unique risks. We build insurance programs that match your operations — not a generic template.

Protect your people. Protect your business.

Workers' Compensation

California / Texas / New York requires most employers to carry workers' compensation insurance. It covers medical expenses, lost wages, and rehabilitation costs when an employee is injured on the job — and it protects your business from costly lawsuits.

Ideal for:

Contractors, restaurants, retail, healthcare, manufacturing, and any business with employees

What's covered

Medical treatment for work-related injuries and illnesses
Wage replacement for employees unable to work
Employer liability protection from employee lawsuits
California compliance — required for most employers

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Your first line of defense.

General Liability

General liability insurance protects your business from third-party claims of bodily injury, property damage, and personal injury. Whether a customer slips in your store or a contractor damages a client's property, GL coverage has you covered.

Ideal for:

All businesses — especially those with customer-facing operations, contractors, and service providers

What's covered

Bodily injury claims from customers or third parties
Property damage caused by your business operations
Personal and advertising injury claims
Legal defense costs and settlements

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Bundled protection. Smarter value.

Business Owners Policy (BOP)

A Business Owners Policy combines general liability and commercial property coverage into one convenient, cost-effective package. Designed for small to mid-size businesses, a BOP simplifies your insurance program without sacrificing protection.

Ideal for:

Small to mid-size businesses, retail shops, offices, restaurants, and service businesses

What's covered

General liability and property coverage in one policy
Business interruption coverage for lost income
Equipment and inventory protection
Cost-effective bundled pricing

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Keep your fleet moving — and protected.

Commercial Auto

Personal auto insurance doesn't cover vehicles used for business. Commercial auto insurance protects your company vehicles, drivers, and cargo from accidents, theft, and liability — whether you have one van or a full fleet.

Ideal for:

Contractors, delivery businesses, landscapers, plumbers, HVAC, and any business using vehicles

What's covered

Liability coverage for accidents involving business vehicles
Collision and comprehensive coverage for your fleet
Hired and non-owned auto coverage
Cargo and equipment in transit

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Protect what you've built.

Commercial Property

Your building, equipment, inventory, and furnishings represent years of investment. Commercial property insurance protects those assets from fire, theft, vandalism, and other covered losses — so a setback doesn't become a shutdown.

Ideal for:

Property owners, retailers, manufacturers, warehouses, and businesses with significant physical assets

What's covered

Building and structure coverage (owned or leased)
Business personal property and equipment
Inventory and stock protection
Business interruption and loss of income

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Not sure which coverage is right for you?

We'll walk you through your options and build a program that fits your business and your budget.

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