Industries

Two businesses on the same block can carry completely different risk. A restaurant and the accounting office upstairs share a building, a zip code, and almost nothing else in how their coverage is built.

Industry decides which policies belong on the schedule, which endorsements matter, and which markets will write the account at all. In California it also shapes the harder questions. Wildfire and earthquake exposure sit on the property side, classification and payroll sit on the workers compensation side, and some risks go to an admitted carrier while others move to the surplus lines market.

The programs below are grouped the way owners tend to describe their own businesses rather than the way policies are filed. We walk through the exposures with you and recommend where coverage belongs. You decide what the business carries.

Construction and the trades

General contractors, specialty trades, and the crews working under them. Contract language usually drives the placement here, so additional insured status, primary and non-contributory wording, and waiver of subrogation often matter as much as the limit itself. Start with contractors insurance or construction insurance. From there, look at OCIP and CCIP wrap-up insurance, owners and contractors protective (OCP) liability insurance, and project specific general liability insurance, which suit jobs carrying their own requirements. Trade-level programs include specialty trade contractors insurance, handyman insurance, maintenance contractors insurance, insurance for arborists. Grounds and design work sits here too, through landscape contractor and gardening insurance, pool and spa insurance, and architect, engineer and design professional insurance.

Restaurants, food and hospitality

Kitchens concentrate risk. Fire, liquor liability, spoilage, and delivery driving tend to land on one account, and a single grease fire can touch property, business interruption, and liability at the same time. See restaurant insurance, catering insurance, and food truck insurance.

Real estate and habitational

Owners, operators, and the buildings themselves. California wildfire scoring weighs heavily on the property side, and vacancy or tenant mix can change what the market is willing to offer. The hub is real estate and habitational insurance, with apartment and multifamily habitational insurance, commercial real estate insurance, lessor’s risk only (LRO) insurance, and vacant commercial building insurance underneath it. Also here: real estate business insurance for brokerages and property managers, homeowners association insurance, and self-storage facility insurance.

Professional and financial services

Firms that get sued over advice rather than injury. Professional liability responds to the work product, and it is typically written on a claims-made form, which makes the retroactive date and the tail worth reviewing at every renewal. Coverage sits under professional services insurance. Dedicated programs cover accounting firm insurance, law firm insurance, consulting firm insurance, financial institution insurance, mortgage broker insurance, escrow company insurance. Creative and technical practices are covered by technology services insurance, media and advertising insurance, and videographer insurance.

Medical, dental and health services

Practices and facilities carrying patient exposure. Malpractice sits alongside general liability, and patient records add a privacy and regulatory exposure that belongs in the conversation early. See medical and healthcare practice insurance and chiropractor insurance, along with dental practice insurance, doctors and nurses insurance, healthcare facility insurance, veterinary insurance, and personal trainer insurance.

Auto, transportation and logistics

Anything moving goods or people for hire. Filings, radius of operation, and cargo values shape the placement, and hired and non-owned auto exposure often turns up in businesses that would never call themselves trucking companies. Programs include commercial trucking insurance and the vehicles we cover, cargo and freight insurance, fleet insurance, limousine services insurance, rideshare insurance, and non-emergency medical transportation insurance. On the service side, auto service and repair shop insurance, auto services insurance, and car dealership insurance address garage keepers and vehicles in your care.

Retail, main street and personal services

Storefronts and service businesses where the public walks in. Slip and fall, tenant improvements, and business interruption drive most of the conversation, and treatment or grooming services layer a professional exposure on top of that. See retail business insurance and main street business insurance, with barber shop insurance, beauty salon and spa insurance, and dry cleaner and laundromat insurance underneath. Also here: cleaning business insurance, pet care services insurance, and print shop and copy center insurance.

Manufacturing, wholesale and distribution

Product exposure, stock values, and the equipment an operation runs on. Goods held for others, goods in transit, and a machinery breakdown that halts production are three separate coverages that often get assumed into one. See manufacturing insurance and wholesale and distribution insurance.

Nonprofits and institutions

Organizations with boards, volunteers, and program exposure. Directors and officers liability and abuse or molestation coverage frequently matter more to these accounts than the property schedule does. See nonprofit insurance and institutional insurance.

If your industry is not listed here

Plenty of California businesses fall outside a named program, and a well-built package policy often suits them better anyway. Call the Granada Hills office at 818-322-4744 or start a business insurance quote, and we will look at the operation the way it actually runs.