INSURANCE PRODUCTS

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Your home is one of your most important investments. Homeowners insurance can help protect the structure of your home, your personal belongings, your personal liability, and additional living expenses following a covered loss.

We help California homeowners compare available coverage options, including solutions for properties located in wildfire-exposed or difficult-to-insure areas.

• Dwelling and other structures coverage
• Personal property coverage
• Personal liability and medical payments coverage
• Loss-of-use or additional living expense coverage
• Optional water backup, equipment breakdown, and ordinance or law coverage

Landlord insurance is designed for homes and residential properties occupied by tenants. We help landlords and real estate investors find coverage for single-family rentals, duplexes, multifamily properties, and other investment properties.

Coverage may help protect the building, landlord-owned property, rental income, and the property owner’s liability exposure.

• Dwelling and building coverage
• Loss-of-rental-income coverage
• Premises liability coverage
• Coverage for landlord-owned appliances and property
• Optional vandalism, water backup, and ordinance or law coverage

Every business has different insurance needs. We help business owners compare coverage for their buildings, business property, operations, and potential liability exposures.

Depending on the type of business, coverage may be written as a Business Owners Policy or through separate commercial property and liability policies.

• Commercial building coverage
• Business personal property coverage
• Business income and extra expense coverage 
• Equipment breakdown coverage
• Inland marine coverage for tools and mobile equipment

General liability insurance can help protect businesses and property owners against claims involving third-party bodily injury, property damage, and certain personal or advertising injuries.

We can also assist with insurance requirements contained in leases, contracts, and property-management agreements.

• Bodily injury and property damage liability. 
• Products and completed operations coverage
• Personal and advertising injury coverage
• Additional insured endorsements
• Waiver of subrogation and primary and noncontributory endorsements, when available

Workers’ compensation insurance helps protect employees who experience a work-related injury or illness. It may provide benefits for medical treatment, rehabilitation expenses, disability, and a portion of lost wages.

We help businesses review their payroll, employee duties, and classifications to obtain coverage appropriate for their operations.

• Medical expense benefits
• Temporary and permanent disability benefits
• Lost-wage benefits
• Rehabilitation benefits
• Employer’s liability coverage

Professional liability insurance, also known as errors and omissions insurance, can help protect businesses against claims alleging negligence, mistakes, inadequate work, or failure to provide professional services as promised.

Coverage is available for many consultants, service providers, contractors, and other professionals.

• Defense costs and covered legal expenses
• Claims involving professional mistakes or omissions
• Alleged negligence or failure to perform services
• Prior-acts coverage, when available
• Extended reporting period options, when available