Commercial Insurance Lines for Bay Area Businesses

Commercial Insurance Lines for Bay Area Businesses

Many of our commercial insurance lines are customizable to better suit your budget and goals.

Business Liability Insurance

General Liability Insurance

  • Vital for all businesses (startup or well-established).
  • Covers you in the event of accident or losses stipulated by your policy.
  • Some of your clients might require this insurance before they do business with you.


Learn More About General Liability Insurance

Business Owners Insurance

Business Owners Insurance

  • Ideal for small businesses.
  • Protects you from risks such as accidents, natural disasters, property damage, theft, and loss of income.
  • This insurance often contains general liability coverage and property insurance.


Learn More About Business Owners Insurance

Professional Liability Insurance

Professional Liability Insurance

  • Essential for businesses that provide clients or customers with opinions, recommendations, solutions and other kinds of services.
  • Important for independent professionals such as engineers, architects, attorneys, software developers, publishers & web designers.
  • Can help pay for a defense attorney and judgement and court costs, no matter who is at fault.


Learn More About Professional Liability Insurance

Workers’ Compensation

Workers’ Compensation

  • Required by California Law
  • Protects you in the event of an employee sustaining a work-related illness or injury.


Learn More About Workers’ Compensation

Employment Practices Liability

Employment Practices Liability (EPLI)

  • Covers you if your employee or former employee files a claim such as alleged discrimination, wrongful termination, gender bias, or sexual harassment.


Learn More About Employment Practices Liability Insurance

Directors and Officers

Directors and Officers (D&O) Liability Insurance

  • Provides coverage for directors & officers of commercial and nonprofit organizations.
  • Protects personal assets in the event of alleged wrongful acts such as negligence, unfair trade practices, defamation, breach of contract, or fraud.
  • Helps cover defense costs during criminal and regulatory investigations or trials, whether or not you’re at fault.


Learn More About Directors and Officers Liability Insurance

Errors and Omissions Insurance

Errors and Omissions (E&O) Insurance

  • A specialized form of liability insurance that goes beyond the coverage offered by business liability insurance.
  • Covers property damage, bodily injury, personal injury, advertising injury.
  • Covers small, but costly errors such as design or engineering flaws and typographical errors such as misspellings.


Learn More About Errors and Omissions Insurance

property owner's insurance

Property Insurance

  • Essential if you have a significant assent value in your business.
  • Covers interior items such as office furniture or retail inventory.
  • Covers whole buildings to protect your investment.


Learn More About Property Insurance

Business Interruption Insurance

Business Income Insurance

  • Replaces your loss of profits if you must suspend operations due to direct physical loss to your premises.


Learn More About Business Income Insurance

Commercial Auto Insurance

Commercial Auto Insurance

  • Protects your business vehicles such as delivery trucks, company-owned autos, or contractors’ vehicles.
  • Covers accidents caused by you and your employees.


Learn More About Commercial Auto Insurance

Bond Insurance

Bond Insurance

  • Fidelity Bonds
  • Surety Bonds
  • License & Permit Bonds


Learn More About Bond Insurance

Builder’s Risk Insurance

Builder’s Risk Insurance

  • Ideal for contractors, property owners, and developers.
  • Fully protects your job site materials and property during and after construction or renovation.
  • Protects against flooding, fire, theft, vandalism, earthquake and more.


Learn More About Builder’s Risk Insurance

Business Umbrella Insurance

Business Umbrella Insurance

  • Provides added coverage that goes above and beyond other forms of business liability coverage.
  • Helps cover the expense of a lawsuit with costly legal fees and settlements.
  • Vital in a state that has no cap on lawsuit settlement payouts.


Learn More About Business Umbrella Insurance

renter's insurance

Landlord Insurance

  • Protects property against natural disasters, fire, theft, equipment failure, vandalism, earthquakes, and lawsuits.
  • Covers buildings
  • Extended coverage assets such as: money, securities, exterior property, improvements and enhancements, furniture, equipment, supplies, and company vehicles.


Learn More About Landlord Insurance

Contractor’s Insurance

Contractor’s Insurance

  • Protects contractors from losses and lawsuits.
  • Ideal for plumbers, electricians, HVAC contractors, builders, painters, remodelers, and other contractors.
  • Customized to include builder’s risk insurance, commercial liability, commercial auto,contractor bonds, and other forms of coverage suited to your business needs.


Learn More About Contractor’s Insurance

Restaurant Insurance

Restaurant Insurance

  • Competitively priced, comprehensive insurance packages that fulfill California requirements and fully protect your investment.
  • Can include: liquor liability, workers compensations, umbrella coverage, and food spoilage.


Learn More About Restaurant Insurance

Liquor Liability

Liquor Liability Insurance

  • Protects your business from high legal risks that come from selling, manufacturing, or the consumption of alcohol on your premises.
  • On- and off-site drunken and unruly behavior, property damage, and negligence that creates a lawsuit.
  • Covers your business against loss or damages when a customer becomes inebriated and harms themselves of others.


Learn More About Liquor Liability Insurance

Food Truck Insurance

Food Truck Insurance

  • Ideal for mobile food services including businesses that offer catering, gourmet coffee, cold lunches, hot meals, ice cream, and more.


Learn More About Food Truck Insurance

Cyber Liability Insurance

Cyber Liability Insurance

  • Protects businesses that store sensitive customer data such as credit card numbers.
  • Covers legal fees, settlements & related legal expenses in the event of a data breach.
  • Provides your customers with credit monitoring services.
  • Helps with the expense of a new marketing campaign to renew confidence in your brand.


Learn More About Cyber Liability Insurance

Want to learn more about your commercial insurance options and how you can customize them to better suit you and your business? We’ll review your current coverage for free, discuss your current risks, and search for the best insurance products to fit your business.

Call us today to speak with one of our friendly agents in our San Francisco office.

415-242-8777 (Mon-Fri, 8:00 am to 4:00 pm)