Insurance built right the first time.

Private passenger auto for individuals and families, including multi-car households, teen drivers, and high-value vehicles. We review liability limits against your actual assets, not the state minimum.

HO-3 and HO-5 coverage with replacement cost reviews so your dwelling limit reflects what it actually costs to rebuild in Southern California. Wildfire-exposed homes are a daily part of our practice, including FAIR Plan placements with companion wrap policies.

HO-6 condo coverage matched to your HOA's master policy (walls-in vs. bare walls matters) and renters policies that protect belongings and liability for a few dollars a month.

DP-3 dwelling fire programs for single rentals through full portfolios. We pay close attention to loss of rents, ordinance or law, liability limits, and the coverage details landlords discover too late with direct-to-consumer policies. California habitability compliance questions are something we handle regularly.

An extra $1M to $10M of liability protection over your home and auto policies. For most households it costs less per month than a streaming subscription and covers the lawsuit that would otherwise reach your savings and home equity.

Standard homeowners policies exclude both. We quote California Earthquake Authority and private earthquake options, plus NFIP and private flood coverage, so the two biggest California perils aren't the two biggest gaps in your protection.

Motorcycles, RVs, travel trailers, boats, and off-road vehicles, usually bundled for discounts alongside your auto and home.

When the standard market declines a wildfire-exposed home, we place the FAIR Plan fire policy and pair it with a companion (DIC) wrap policy for liability, water damage, and theft, so you're not left with fire-only coverage.

Property and liability packaged for offices, retail, and service businesses. Efficient pricing for eligible operations without giving up the coverages that matter.

Premises and products liability with the endorsements your contracts actually require: additional insured forms, primary and non-contributory wording, waivers of subrogation. If a vendor agreement or landlord lease demands specific forms, we make sure the policy delivers them.

Buildings, business personal property, and business income. We run replacement cost estimates, review ordinance or law coverage, and document valuation so there's no coinsurance surprise at claim time.

Fleets, service vehicles, movers, and haulers, including motor truck cargo and hired and non-owned auto. Distribution and delivery operations get a cargo review because that gap is common and expensive.

Required for California employers. We handle class codes, payroll audits, and experience modification (ExMod) reviews, and we stay involved on open claims because your ExMod is your premium for years to come.

Additional limits over GL, auto, and employers liability, from a single $1M layer to multi-carrier excess towers for larger operations and contract requirements.

Apartment buildings, mixed-use, and leased commercial property. This is one of the hardest segments in California right now and one of our strongest. We know the specialty habitational programs and what their forms actually cover, including how habitability claims are treated.

Restaurants, fast casual, bars, and caterers: property, GL, liquor liability, equipment breakdown, and spoilage. We know the supplemental applications these markets require and complete them right the first time.

Artisan and general contractors: GL with the right classification, tools and equipment, commercial auto, bonds, and wrap-up compliance. We watch for the exclusions (subcontractor warranties, residential work limitations) that sink contractor claims.

Assisted living, RCFEs, and human services organizations, including professional liability and abuse and molestation coverage through specialty programs built for this class.

Errors and omissions for consultants, professionals, and service firms. General liability does not cover professional mistakes; this does.

Breach response, ransomware, funds transfer fraud, and liability to customers whose data you hold. Increasingly required by contracts and increasingly the claim small businesses actually have.

One-day events, leagues, camps, and recreation programs, including participant accident coverage, through specialty sports and events markets.

New ventures, prior losses, unusual operations, coastal and brush exposures. Through Commercial Insurance Solutions and our wholesale partnerships we access surplus lines markets nationwide. Declined elsewhere does not mean uninsurable.

Short-term production and annual DICE policies (documentary, industrial, commercial, and educational film), covering equipment, rented locations, props and sets, cast, and third-party liability. We know the production markets and what certificate wording studios and locations demand.

DBA workers compensation for contractors and staffing firms supporting U.S. government and military operations overseas, a federal requirement most agencies have never placed. We handle it regularly.

Trip cancellation, travel medical, and international coverage for individuals and groups. Quote and purchase online in minutes: get an instant travel quote, or ask us to walk you through the options.

Group health options and employee benefits for California employers, structured alongside your workers comp and liability program so the whole package works together.

Term life for income replacement and mortgage protection, and permanent policies where lifelong coverage or cash value fits the plan. Sized to your actual obligations.

Funding for buy-sell agreements and protection against the loss of a key employee or partner. The piece of business planning most owners put off until it's urgent.