We have priced this risk
Time spent underwriting property, general liability, employment practices, and errors and omissions means we know how your file reads on the other side of the desk, and what to fix before it gets there.
Commercial insurance brokerage / California
Your risk is
specific. Your
program should
be built that way.
An independent commercial brokerage run by people who used to price this risk from the underwriting side. We build the submission properly, take it to the carriers that actually write your class, and negotiate the wording instead of shopping the number.
Claim in progress?
Report it directly to the carrier, then call us. We stay on the file with you.
Claims desk →What we do
We work the
submission, not
just the quote.
Anyone can forward an application to a carrier portal. The result is whatever the rating engine says, and you find out what it excluded when you have a claim.
We build the file first: exposures verified, loss history explained, class codes audited, and contract requirements read. Then we go to the markets that write your class and negotiate wording, not just price. That is the whole difference, and it is worth real money at renewal.
Anatomy of a program
Limits shown are typical
Foundation: property, cyber, management liabilityScroll
Layer 01 / Ground up
Workers' compensation
Statutory in California from your first employee, and the only line where your own three year loss history sets the price directly through the experience modification. Get the class codes and the mod right and everything above it gets cheaper.
Layer 02 / Primary
Commercial auto
The hardest line in the market right now. Underwriters price your driver list, your MVR standard, and whether you run cameras long before they look at the vehicles. One million combined single limit is the floor most contracts demand.
Layer 03 / Primary
General liability
One million per occurrence, two million aggregate is the standard ask. What decides whether it responds is the endorsement page: additional insured wording, primary and non-contributory, per project aggregate, and whichever exclusions were quietly attached at renewal.
Layer 04 / Excess
Commercial umbrella
Sits over general liability, auto, and employers liability. Buying limit here is far cheaper than raising each underlying policy, which is the answer when a customer contract demands more than you carry. Follow form is the goal, and it is not automatic.
Layer 05 / Excess
Excess liability
Additional layers stacked above the umbrella for accounts with real severity exposure: fleets, habitational property, anything with a nuclear verdict profile. Priced by a different set of markets than everything below it.
Commercial lines
Placed by people
who have priced it
from the other side.
Each line below explains what the policy actually does, where the coverage usually fails, and what we work on before the submission goes out. Written for the person signing it, not for a search engine.
Line
General liability
Premises, products, completed ops
Open →LineWorkers' compensation
Class codes, x-mod, loss control
Open →LineProperty
Buildings, contents, business income
Open →LineAuto and fleet
Owned, hired, non-owned
Open →LineProfessional liability
E&O and tech E&O
Open →LineCyber liability
Breach response, funds transfer
Open →LineManagement liability
D&O, EPLI, fiduciary, crime
Open →Not listedSomething else
Surety, employee benefits, environmental, liquor, event, and specialty placements. Ask.
Ask us →Personal lines
Your house and
your truck, too.
California is the hardest homeowners market in the country and a nonrenewal letter now lands on people who have never filed a claim. We write personal lines alongside the commercial book, and bundling the two is usually the largest discount available to you.
Industries
We go deep in
six places.
Specialization is not a marketing line. It is knowing which four carriers will write your class this quarter, what they will pay for, and what their underwriters need to see. We are honest about where we are strongest.
Nonprofits
Abuse, auto, volunteers
Open →
Contractors
Additional insureds, subs, bonds
Open →
Transportation
Motor carriers, last mile
Open →
Restaurants and hospitality
Liquor, assault, wage and hour
Open →
Real estate and habitational
Apartments, HOAs, managers
Open →
Manufacturing and distribution
Products, equipment, recall
Open →The process
From first call
to bound.
You will always know where your submission is and who has it. No black box between the application and the invoice.
Step 01
Discovery call
Twenty minutes. Operations, contracts, payroll, vehicles, and what went wrong last time. We ask for loss runs and current declarations.
Step 02
Build and market
We assemble the submission, audit the exposure basis, and approach the markets that write your class. You get the market list, not a mystery.
Step 03
Present the options
Quotes compared on coverage, not just premium. Exclusions, endorsements, and retentions laid out side by side so the decision is yours.
Step 04
Bind and service
Binders, certificates, and endorsements issued fast. Then we work the account through the year, ahead of audit and ahead of renewal.
Why this shop
Independent,
underwriter trained,
quick to answer.
Three things decide whether a brokerage is worth what it is paid: where its judgment comes from, how many markets it can actually reach, and whether it picks up the phone. Here is where we stand on each.
01 / Perspective
02 / Program work
Group program experience
We have administered pooled workers' compensation and vehicle programs for nonprofits. When a group program beats the standard market, we will tell you, even though it is not the easy answer.
03 / Access
You get a person
Direct line, direct email, and a same day standard on certificates and endorsements. Service is not a queue, and it is not a portal.
Next step
Send us the submission
Loss runs, current declarations, and five minutes of context. You will hear back the same business day with what we can do and which markets we are approaching.