Commercial Insurance in El Segundo and Los Angeles
Property, liability, workers comp, and cyber coverage for local businesses. We compare 30+ carriers and place your policies together so nothing falls through the gaps.
What does your business need?
Start with a coverage, or call and we will sort it out with you.
- Commercial property Buildings, equipment, and inventory
- Commercial auto Company cars, vans, and trucks
- Business owner policies Liability and property in one policy
- Workers compensation Required once you hire
- Professional liability (E&O) Claims over your advice or work
- Cyber liability Breaches, ransomware, and fraud
- Management liability D&O, EPLI, fiduciary, and crime
Coverage for the way your business runs
Most businesses need more than one of these. We look at your leases, contracts, and payroll to work out which ones, then quote them together.
Commercial property
Protection for the buildings you own or lease and everything inside them.
- Buildings and tenant improvements
- Equipment and inventory
- Business income after a covered loss
Commercial auto
Coverage for vehicles your business owns and for employees driving their own cars on company business.
- Liability and physical damage
- Hired and non-owned auto
- Coverage for multiple drivers
Business owner policies
A BOP bundles general liability and property coverage for small offices, shops, and service businesses.
- General liability
- Business property
- Business interruption
Workers compensation
California requires workers comp for every business with employees, including part-time staff.
- Medical care for injured employees
- Lost wages while they recover
- Employer liability
Professional liability (E&O)
Coverage when a client says your advice, design, or service cost them money.
- Negligence and error claims
- Legal defense costs
- Coverage that meets client contracts
Cyber liability
Data breaches and cyber attacks are usually excluded from general liability, so cyber is written on its own.
- Breach response and notification
- Ransomware and business interruption
- Funds transfer fraud
Management liability
Protection for the people who run the company and for claims brought by employees.
- Directors and officers claims
- Employment practices claims
- Fiduciary and crime losses
Not sure what you need?
Tell us what your business does and we will map out the coverage your leases and contracts call for.
- Lease and contract review
- Plain-English recommendations
- Quotes from 30+ carriers
Business insurance for El Segundo and L.A. companies
From our office on Apollo Street in El Segundo, we insure offices, shops, landlords, and growing companies across the South Bay, the LAX corridor, Playa Vista, and the rest of Los Angeles.
Leases, client contracts, and lenders often spell out exactly what coverage you need. We read those requirements, quote the policies that meet them across 30+ carriers, and handle the certificates so you can get back to work.
We often help with
- Certificates of insurance for client contracts
- Coverage your landlord requires in a lease
- Workers comp for your first employees
- Cyber coverage that clients ask for
Commercial insurance questions
Don't see yours? Call (310) 751-5979 and ask.
Do I need workers comp if I only have one employee?
Yes. California requires workers compensation for any business with employees, including part-time workers.
What is a business owner's policy?
A BOP bundles general liability and commercial property in one policy, usually for less than buying them separately. It suits many small offices, shops, and service businesses.
Can you help with certificates of insurance for contracts?
Yes. Send us the contract's insurance requirements. We check your policies against them and request the certificate, including additional insured wording when the contract calls for it.
Does general liability cover a data breach?
Usually not. Data breaches and cyber attacks are typically excluded from general liability, which is why cyber liability is written as its own policy.
Find out what you should be paying
Tell us about your business. We compare 30+ carriers and come back with real quotes, usually within 1-2 days.