Business Insurance
Know what your policies actually do.
Commercial cover is easy to buy and hard to compare. We explain in plain English what each policy generally responds to, so you can decide with confidence.
What we can place
The cover most employers need
These descriptions are general. Whether a given cover suits your business depends on what you do, who you do it for and what your contracts require.
Workers' compensation
Generally responds to work-related injury and illness costs for employees. California requirements, classification codes and experience modification all affect what an employer pays.
General liability
Generally responds to third-party bodily injury and property damage arising from business operations, subject to policy terms.
Commercial liability packages
Bundle several commercial coverages. The value is in the specific forms and endorsements, not the package name.
Errors and omissions
Also called professional liability. Generally responds to claims alleging a failure in professional services rendered.
Directors and officers
Generally responds to claims against individuals in management or board roles arising from their decisions in those roles.
Employment practices liability
Generally responds to employment-related allegations such as wrongful termination, discrimination or harassment claims.
Commercial umbrella
Sits above underlying policies to provide additional limits, subject to the underlying coverage requirements.
Risk-management support
Reviewing exposures, contract requirements and certificates so coverage matches what the business has actually committed to.
Buy-sell agreement funding
Insurance used to fund an ownership-transfer agreement. Requires coordination with your attorney and accountant.
How we work
Decisions, not assumptions
Understand the business
What you do, where, for whom, and what your contracts require you to carry.
Compare the detail
Limits, deductibles, exclusions and endorsements — the parts that decide how a policy behaves in a claim.
Stand with you on claims
If something happens, we help you report it and chase it. The carrier decides coverage under the policy.
Let us look at what you are carrying today.
Bring your declarations pages and any insurance requirements a client or landlord has asked you to meet.