Industries

The industries we know best.

Generic programs leave gaps. These are the six where we know the carriers, the endorsements and the claims patterns best.

01 · Construction & Contractors

Coverage that survives a contract review.

GCs, artisan trades, electrical, plumbing, HVAC. We build programs around the contracts you sign: additional-insured endorsements with completed-ops, primary-and-noncontributory wording, waivers of subrogation, and per-project aggregates that keep one job from draining the whole policy.

Typical stack: GL with action-over coverage, work comp with mod management, commercial auto, inland marine for tools and equipment, builder's risk by project, and umbrella limits sized to your contracts.

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02 · Restaurants & Hospitality

Thin margins deserve precise coverage.

Restaurants, bars, cafés, caterers and hotels. Liquor liability that matches your actual sales mix, spoilage and equipment breakdown for the walk-in that dies on a Friday night, and business income coverage tuned to seasonal revenue.

We also handle the operational paper: certificates for your landlord, health-permit requirements, and employment practices liability for an industry that runs on people.

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03 · Manufacturing & Wholesale

Product liability, handled before the recall.

Food producers, fabricators, consumer goods, distributors. The center of gravity is products liability (coverage that follows your goods through the supply chain), plus property programs for equipment, raw stock and finished inventory.

We layer in equipment breakdown, cargo and transit coverage, product recall expense, and foreign liability when your goods ship overseas.

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04 · Retail

Storefront risk, priced honestly.

Storefronts, showrooms and e-commerce operations. Slip-and-fall liability, theft and inventory shrinkage, glass and signage, and business income coverage for the months a water leak keeps the doors shut.

Selling online too? We extend coverage to product liability across marketplaces and cyber coverage for the card data behind every sale.

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05 · Technology & Professional Services

E&O built around your engagement letters.

Agencies, consultancies, software firms, accountants, architects. The core is professional liability, E&O shaped to your engagement letters, wrapped with cyber, D&O for funded companies, and the GL your office lease and enterprise contracts demand.

We read your MSAs against your limits before you sign, not after a client invokes the indemnity clause.

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06 · Real Estate & Property Owners

Portfolios priced building by building.

Landlords, property managers, HOAs and investors. Property schedules with accurate replacement values, premises liability, loss of rents, and ordinance & law for older stock. Earthquake is its own conversation, and every California owner needs to have it on purpose, not by default.

One master program across the portfolio usually beats a drawer full of single-location policies. We'll show you the math.

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Don't see your industry?

These six are the center of our book, not the edges of it. If you run a business in California, we can place it.

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