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Business insurance built around how you work.
Contractors, restaurants, offices, healthcare and more, from the Conejo Valley to clients across the country. We build coverage around how your business actually runs, then keep it current as you grow.
✓ Workers’ comp
✓ Professional liability
✓ Specialty markets
★★★★★ 5.0 on Google · Family-run since 1991
THE SHORT VERSION
The basics every business owner should know.
01
Workers’ comp is required
California requires employers to carry workers’ compensation, even with a single employee.
02
A BOP bundles the basics
A Business Owner’s Policy combines general liability and property coverage, often for less than buying each separately.
03
Advice carries risk too
If clients rely on your expertise, professional liability (E&O) covers claims of mistakes or negligence.
Coverage we write for businesses
✓ General liability
Injuries and property damage tied to your operations.
✓ Business Owner’s Policy
Liability and property in one package.
✓ Workers’ compensation
Employee injuries on the job. Required with employees.
✓ Commercial auto
Vehicles used for business.
What affects your price
Industry · Payroll · Number of employees · Revenue · Claims history · Location · Limits required
✓ Professional liability / E&O
Claims tied to your advice or services.
✓ Cyber, EPLI, D&O and bonds
Data breaches, employment claims, leadership and contracts.
★★★★★
“Chris is easy to work with and saves us a ton of time. No point in shopping around because they know insurance, have great recommendations and the best rates!”
Richard C. · Business client · Google review
QUESTIONS WE HEAR A LOT
Business insurance questions
Do I need workers’ comp with only one employee?
Yes. In California, any business with employees must carry workers’ compensation.
What’s the difference between general and professional liability?
General liability covers bodily injury and property damage, like a customer slipping in your shop. Professional liability covers financial harm from your advice or services.
Can you insure a business that’s hard to place?
Often, yes. We work with standard carriers and with specialty excess and surplus markets.
Does my personal auto policy cover business driving?
Not always. If vehicles are used for work, you may need commercial auto. We will review what you have.