Coverage that keeps the doors open. Contracts signable.
We work with owner-operators and small teams across California to structure policies that meet lender, landlord and client requirements — without paying for coverage you don't need.
The lineup
04 policies
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General liability
The foundation policy for most small businesses. Covers claims of bodily injury and property damage, and satisfies most landlord and client requirements.
FitsContractors, retailers, service businesses
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Commercial auto
Vehicles owned or used for work, from a single service van to a growing fleet. Structured for the miles you actually run.
FitsService vans, delivery, trades
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Workers' compensation
Required for California employers. We'll get you compliant, correctly classified, and not overpaying.
FitsAny CA employer with W-2 staff
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Commercial umbrella
Extra liability limits over your underlying policies, sized for larger contracts and higher-risk work.
FitsContracts requiring $1M–$5M limits