California Employer-Only Insurance Broker
Business insurance built for California employers.
Workers' compensation, general liability, EPLI, commercial bonds, and HR compliance — from 50+ carriers, with same-day quotes and a broker who actually answers the phone.
Coverage Organized The Way You Buy It
Start where you are — we'll build the rest.
Pick a category to explore the coverage, or let us review your contracts, payroll, vehicles, property, and employee exposure as a package.
Business Insurance
General liability, property, BOP, commercial auto, umbrella, and the rest of the core stack.
Workers' Compensation
Required by law for every CA employer. We handle class codes, audits, and ex-mod control.
Industries We Serve
Contractors, restaurants, auto shops, manufacturing, janitorial — and 20+ more California industries.
HR Compliance
SHRM-certified advisors and former CA Department of Labor investigators on staff. PAGA, OSHA, payroll.
Core Coverages
The coverage California employers actually need.
The six policies that protect virtually every California business — built for your operation, your industry, and your risk profile.
Workers' Compensation
Required by California law for every employer. Class codes, audits, ex-mod control, and same-day certificates — we handle all of it.
Learn moreGeneral Liability
Bodily injury, property damage, advertising injury, and the additional-insured certificates almost every CA contract requires.
Learn moreEPLI
California employees win roughly 70% of employment jury trials. EPLI covers wrongful termination, discrimination, harassment, and wage-and-hour claims.
Learn moreCommercial Bonds
CSLB contractor bonds, auto dealer bonds, license bonds, performance bonds, and other California surety needs. Same-day bonding available.
Learn moreSpecialty Coverage
Cyber liability, E&O, professional liability, commercial umbrella, D&O, garage liability, tools and equipment. Surplus lines access included.
Learn moreHR Compliance
Labor law guidance, PAGA prevention, OSHA, payroll, harassment training, and state filings — backed by SHRM-certified advisors and ex-DOL investigators.
Learn moreWhy California employers pick us
An independent broker who actually picks up the phone.
We don't sell insurance — we shop it. As an independent California broker, we represent your interests, compare carriers, and turn the paperwork into a clear plan you can act on the same day.
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Independent — we work for you, not a carrier.
We represent 50+ California carriers, which means we shop your business across the market instead of pushing one company's product. You see real options.
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California-only specialization.
Every policy we write is for a California employer. We know class codes, ex-mod factors, CSLB bond requirements, PAGA exposure, and every other CA-specific wrinkle.
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Same-day quotes and certificates.
Contract waiting on you? Landlord needs a COI? Most quotes ship the same business day. Most certificates ship in under an hour.
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Bilingual service.
English or Spanish, by phone or by email. Hablamos Español — sin problemas.
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HR + insurance under one roof.
SHRM-certified advisors and former CA Department of Labor investigators give you compliance support most agencies can't offer.