An upcoming renewal?
We update the account for changes in your business and take it back to market with time to compare the response.
Independent commercial insurance · Bay Area
Commercial insurance, brokered on your side of the table.
We take your account to market, compare the quotes, and explain what each policy covers and leaves out. From the first application to the renewal, we handle the insurance work with you.
Businesses we have worked with
Business insurance
Coverage for the way you earn a living.
We work out which policies fit your operations and contracts, then compare the available price and terms.
Choose a commercial insurance line to read about
General Liability
Insurance for claims that your business injured someone or damaged their property. We check the exclusions against your actual work.
Coverage we compare
- Bodily injury and property damage
- Products and completed work
- Personal and advertising injury
- Legal defense
Commercial Property
Coverage for your premises and business contents, with options for income lost after covered damage. We work through values and deductibles.
Coverage we compare
- Buildings and tenant improvements
- Equipment and inventory
- Business income and extra expense
- Replacement cost
Workers' Compensation
Work-related injury coverage for employees. We prepare the payroll and job classifications used to quote the account.
Coverage we compare
- Medical care and wage benefits
- Employers' liability
- Other-state exposure when included
- Work-related injuries and illness
Commercial Auto
Insurance for vehicles used in your business. We address company vehicles and liability from rented or employee-owned cars used for work.
Coverage we compare
- Auto liability
- Collision and comprehensive damage
- Uninsured or underinsured motorists
- Hired and non-owned autos
Cyber Liability
Options for breach response, privacy claims, and interrupted systems. We explain the security requirements and smaller limits inside the policy.
Coverage we compare
- Forensics and legal response
- Ransomware and extortion
- System interruption
- Privacy and network liability
- Funds-transfer fraud
Professional Liability
Errors and omissions insurance for your services. We check that the policy describes the advice, design, or client work you actually deliver.
Coverage we compare
- Errors and omissions
- Legal defense
- Prior work when included
- Claims arising from defined services
Commercial Umbrella
Extra liability limits above specified business policies. We compare the umbrella with the coverage underneath it.
Coverage we compare
- Large liability claims
- Limits above scheduled policies
- Defense after underlying limits are exhausted
- Contract-driven excess limits
Commercial Crime
Coverage options for employee theft and financial fraud. We examine how the terms apply to your payment and money-handling procedures.
Coverage we compare
- Employee theft
- Forgery
- Computer and funds-transfer fraud
- Money and securities
How we work
From the first call to a clear choice.
We handle the application and market follow-up. You get the options explained before you decide.
Start with the business
Tell us what you do and what prompted the call. We look at your current policies and work out what the account needs.
We shop the account
We prepare the submission, approach the market, and handle the follow-up questions needed to obtain terms.
Compare the quotes
We put the available options side by side and explain the tradeoffs, including exclusions that deserve attention.
Make an informed choice
You choose how to proceed. We work through outstanding questions and coordinate the paperwork with our brokerage partners.
Who we work with
The business comes before the policy.
A contractor, a restaurant, and a consulting firm need different insurance. We build the submission around what your business does.
Construction & Contractors
We work through jobsite liability, crew coverage, and the insurance wording in your next contract.
Contractor insurance
Restaurants & Hospitality
Business insurance for service on the floor, equipment in the kitchen, and income lost after covered property damage.
Hospitality insurance
Manufacturing & Wholesale
Coverage for production equipment and stock, plus liability from the products you make or distribute.
Manufacturing insurance
Retail
Insurance for the store and the online business, from damaged inventory to customer injury claims.
Retail insurance
Technology & Professional Services
We compare E&O and cyber terms with your services and customer contract requirements.
Professional services insurance
Real Estate & Property Owners
Property and liability insurance built around the buildings you own, their tenants, and your rental income.
Property owner insuranceThe Montgomery standard
A broker who reads the whole policy.
You get our recommendation, the reasons behind it, and the questions that still need an answer.
One submission, the markets that fit
We prepare the account once and approach the insurers that write your class of business. You compare the terms that came back, instead of a single renewal number with nothing beside it.
Price read against the wording
We set the exclusions, sublimits, and conditions beside the premium, so you can see which quote leaves your main exposure uninsured before you decide on price alone.
Your contracts checked first
Leases, client agreements, and lender conditions set limits and endorsements you have to carry. We check those requirements against what each policy grants before you sign.
Put your commercial insurance to work.
Buying your first policy or approaching renewal? Tell us about the business. We’ll work out what to take to market.
Bay Area
Bay Area businesses. A working insurance relationship.
Montgomery Risk Partners is named after Montgomery Street in San Francisco.
We handle commercial insurance for businesses across the Bay Area. Whether you run a kitchen, a construction crew, or a professional practice, we start with the work and the obligations behind it.
Insurance questions
Know what happens next.
Quotes that look alike?
We explain where the policy terms differ and what those differences mean for the work you do.
Buying business insurance for the first time?
Start with a call about the business. We identify the coverage to consider and walk you through the application.
Insurance questions answered