Commercial Insurance

A BOP bundles general liability insurance and commercial property insurance into one policy, often at a lower cost than buying them separately. It's the smart starting point for most small businesses and covers common risks like customer injuries, property damage, and business interruption.

Yes. California law requires all employers — even those with just one employee — to carry workers compensation insurance. It covers medical expenses and lost wages if an employee is injured on the job. We can help you find affordable workers comp through our carrier panel.

Cyber liability insurance covers costs associated with data breaches, ransomware attacks, and other cyber incidents. This includes notification costs, credit monitoring for affected customers, legal fees, regulatory fines, and business interruption losses from a cyber event.

Employment Practices Liability Insurance (EPLI) protects your business from claims of wrongful termination, discrimination, harassment, and retaliation. Even small businesses face these risks — a single employment lawsuit can cost tens of thousands of dollars to defend, regardless of the outcome.

We've developed deep expertise in restaurants and food service, contractors, tech startups, consultants and professional services, real estate investors, and retail and ecommerce businesses. Each industry has unique risks, and we build coverage programs specifically tailored to how your business operates.