Industry-focused insurance for the way California risks actually operate.
We help place personal, commercial, property, liability, specialty, and harder-to-place risks across a wide range of industries, building types, and business operations using markets that fit the exposure in front of you.
Operations and organizations we regularly help place.
This page is meant to show range, not limit it. If your risk is not listed exactly, we can still review the exposure and see where it fits.
Main street, office, and service businesses
- Offices
- Retail stores
- Wholesalers
- Consultants
- Professional services
- Marketing and PR firms
- Design and creative firms
- Accounting offices
- Law offices
- Insurance agencies
- Property managers
- Florists
- Dry cleaners
- Janitorial services
- Landscape services
- Pet services
- Fitness studios
- Salons and beauty risks
- Medical offices
- Veterinary offices
- Schools and educational risks
- Nonprofit organizations
- Clubs and associations
- Event planners
Contractors, trades, and field operations
- Artisan contractors
- General contractors
- Electrical contractors
- Interior carpentry
- Painting contractors
- Landscaping contractors
- Remodelers
- Builders risk projects
- Residential renovation
- Light commercial construction
- Contractor tools and equipment
- Contractors equipment schedules
- Contractor professional liability
- Premises liability risks
- Vacant land risks
- Real estate development risks
- Property owner improvements
- Specialty contractor placements
Hospitality, food, and specialty property
- Restaurants
- Cafes and coffee shops
- Bakeries
- Pizza and take-out
- Fine dining
- Family style restaurants
- Snack bars
- Commercial condo associations
- Apartment buildings
- Five-plus rental units
- Mixed-use buildings
- Habitational schedules
- Landlord and rental properties
- Residential investors
- Single-family rental portfolios
- Small multifamily properties
- Condo unit owners
- Homeowners
- Dwelling fire risks
- High-value homes
- Earthquake-exposed homes
- Hospitality / hotel-motel property
- Commercial buildings
- Mixed-use property
- Manufacturing
- Technology companies
- Financial institutions
Commercial buildings, residential buildings, and ownership structures we can help evaluate.
Commercial and mixed-use buildings
- Office buildings
- Retail buildings
- Strip centers
- Service occupancies
- Commercial condominiums
- Mixed-use buildings
- Restaurant-occupied buildings
- Warehouse / wholesale buildings
- Light manufacturing buildings
- Habitational with ground-floor retail
- Buildings under renovation
- Builders risk projects
Residential and habitational property
- Townhomes
- Low-rise condos
- High-rise condos
- HO-6 unit owners
- Dwelling fire / landlord risks
- Tenant-occupied homes
- Vacant homes
- Vacation rentals
- Single-family rental portfolios
- 2–4 unit properties
- Five-plus rental units
- Mixed-use buildings
- Residential investors
- FAIR Plan companion / DIC situations
Ownership and harder-to-place structures
- Trust ownership
- LLC ownership
- Estate-related property
- Commercial condo ownership
- Property managers / investor-held property
- Older building stock
- Wildfire-exposed property
- Earthquake-exposed property
- CAT-exposed schedules
- Vacant land liability
- Premises-only risks
- Specialty residential programs
Coverage lines we can structure across the markets we work with.
Businessowners Policy
BOP placements for office, retail, service, restaurant, wholesaler, habitational, and selected specialty risks.
General Liability
Occurrence-based GL for small business, contractor, landlord, nonprofit, and specialty industry accounts.
Commercial Property
Building, business personal property, business income, and schedule-driven property structures.
Workers’ Compensation
Broad class-code driven small business and contractor workers’ compensation options.
Commercial Auto
Commercial vehicle placements where the operation and carrier appetite support it.
Professional Liability
E&O / professional liability for consultants, service firms, healthcare, and specialty operations.
Cyber Liability
Stand-alone and package cyber options with incident response, ransomware, and network/privacy coverage.
Umbrella / Excess Liability
Umbrella and excess structures for commercial and personal accounts, depending on the exposure.
Liquor Liability
Liquor options for eligible restaurant and hospitality risks where operations and receipts fit appetite.
Contractors Equipment & Inland Marine
Tools, installation floaters, scheduled equipment, and project-support inland marine coverage.
Builders Risk
Residential, renovation, light commercial, and CAT-sensitive builders risk placements.
Specialty Residential
High-value homes, earthquake, FAIR Plan companion / DIC, landlord, condo, and harder-to-place property.
We organize broad appetite into a cleaner path for the client.
California-focused review
We look at occupancy, building type, location, operations, and real underwriting fit before forcing a risk into the wrong market.
Access to many markets
We compare admitted, E&S, digital, specialty, and referral-based options depending on the account profile.
Commercial and property depth
We can help with habitational, contractor, restaurant, office, specialty residential, and broader commercial placements.
Practical coverage guidance
We help sort what should be packaged, what should be separate, and where endorsements or specialty forms matter.
Need help with an industry or property type that is not listed?
Send us the business type, building details, operations, and any target coverage needs. We’ll review the exposure and point you toward the right next step.
