Straight answers before you buy.

We are an independent commercial insurance brokerage for Bay Area businesses. We prepare your account for the market, obtain available quotes, and explain the policy terms so you can decide what to buy.

Yes. Tell us what the business does and whether a customer, landlord, or lender has asked for insurance. We identify the policies to consider and guide you through the information needed for an application.

Contact us ahead of the expiry date, especially if the business has changed. We use that time to update the submission, request terms, and work through the options before you need to make a decision. The lead time depends on the account.

We compare the price with the limits, deductibles, and policy wording. An exclusion or a smaller limit within the policy can change the value of a quote. We explain those differences and the reasons for our recommendation.

Yes. We read the insurance provisions in your lease or business agreement and compare them with current or proposed coverage. We identify requests for different limits or endorsements and pursue the available options. Contract interpretation outside the insurance requirements belongs with your legal adviser.

No. A certificate summarizes policy information; it does not change the insurance. We check the policy and endorsements when a customer asks for particular coverage or additional-insured status.

We help follow up for the issued endorsement, updated declarations, or other written confirmation from the appropriate party. The request itself does not establish that the change took effect.

Use the booking link to choose a call time. We begin with your operations and insurance deadline, then explain what is needed to submit the account. You can start even if you do not have every document ready.

An agent is appointed by an insurance company and offers that company’s products. A broker works for the buyer. How many markets a firm can actually approach depends on the class of business and the market relationships it holds, so the useful questions are which markets are open to your account and whose interest the firm represents when terms are negotiated. Montgomery Risk Partners is an independent commercial insurance brokerage.

By commission, a fee, or both, depending on the arrangement. Ask any firm to explain how it is paid on your particular account, whether any part of that depends on which insurer is chosen, and what the total cost to you comes to. We will set that out for your account before you place coverage.

Not necessarily, but check the terms before you act. The cancellation condition in your current policy sets how any refund is worked out, whether a minimum earned premium or cancellation fee applies, and what notice is required. Confirm that replacement coverage is agreed and note its exact effective date and time before cancelling anything, so no gap opens between the two. Some programs are harder to move mid-term than others. Send the policy over and we will read those terms with you.

Send us the insurance clause before you sign. A shortfall in the limit itself is addressed by raising the primary limit or, where the account is eligible, placing an excess or umbrella layer above scheduled underlying policies. Additional-insured status and waiver of subrogation are separate requirements: the first concerns who is insured under the policy, the second concerns recovery rights against the other party. Neither raises a limit. Sometimes the clause can be negotiated. We read the requirement against your current policies and tell you what is actually available and what it would cost.

We work with businesses across the Bay Area, including Oakland, Berkeley, South San Francisco, and Daly City. If your operations reach further, tell us where the work happens and where vehicles, property, and employees are based. Those facts change which markets can consider the account.

California generally requires employers to carry workers' compensation coverage, subject to applicable law and the facts of the business. Review the current state requirements for your situation.