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Find Business Insurance Agents Near You in Encinitas, CA

Browse business insurance agents serving Encinitas, California. Updated 2026-07-14.

The top-rated business insurance agent in Encinitas, California is Lisa Trapp - State Farm Insurance Agent, rated 5.0 stars across 157 reviews. Other highly rated options include Katie Beach Harlan - State Farm Insurance Agent, Jake Cesare - State Farm Insurance Agent, AAA Encinitas Insurance and Member Services. This directory lists 18 business insurance agents serving Encinitas.

Showing 18 business insurance agents in Encinitas, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lisa Trapp - State Farm Insurance Agent1458 Encinitas Blvd(760) 230-0231
2Katie Beach Harlan - State Farm Insurance Agent531 Encinitas Blvd STE 119(760) 753-4944
3Jake Cesare - State Farm Insurance Agent227 N El Camino Real Ste 206(760) 942-2277
4AAA Encinitas Insurance and Member Services499 N El Camino Real(760) 635-1020
5Schulte Insurance Agency1036 2nd St(760) 436-5015
6Nick Witzmann Insurance Agency330 Encinitas Blvd suite 202c(760) 487-2727
7CJT Insurance, Vehicle Registration, VIN Verification144 W D St Suite 109(760) 230-1125
8Farmers Insurance - Julie Haidao187 Calle Magdalena Suite 110(619) 401-1104
9CLS Insurance Services - Coastal Live Scan996 N Coast Hwy 101 Suite C(760) 230-1830
10Best Quote Insurance Services1103 Quail Gardens Ct(888) 536-1131
LT
1458 Encinitas Blvd
Lisa Trapp - State Farm Insurance Agent
Business Insurance Agent · Encinitas, CA

Lisa Trapp - State Farm Insurance Agent in Encinitas, California, offers a range of business insurance services including general liability, property, and workers' compensation coverage. The agency provides ongoing policy reviews and risk management guidance to help business owners maintain appropriate protection as their operations evolve. Clients can expect personalized service and support with claims filing. The agent services commercial properties such as single-family homes used for business, apartment buildings, retail storefronts, and restaurants in the local area.

KB
531 Encinitas Blvd STE 119
Katie Beach Harlan - State Farm Insurance Agent
Business Insurance Agent · Encinitas, CA

Katie Beach Harlan - State Farm Insurance Agent in Encinitas, California, serves homeowners, businesses, and property managers in need of tailored business insurance coverage. The agency provides commercial policies designed to protect local enterprises against common liabilities and property risks. Clients seeking guidance on selecting appropriate coverage for their specific business type can consult directly with the agent. The agency also works with residents and business owners in neighboring communities throughout the coastal North County San Diego area.

JC
227 N El Camino Real Ste 206
Jake Cesare - State Farm Insurance Agent
Business Insurance Agent · Encinitas, CA

Serving Encinitas and the surrounding communities of San Diego’s North County, Jake Cesare - State Farm Insurance Agent handles commercial insurance for local businesses. The agency works to protect small and mid-sized operations from common operational risks. Each policy is reviewed to match the specific liability, property, and coverage needs of a given enterprise. For a typical job, this agent first assesses the business’s exposures and then presents tailored options designed to ensure adequate financial protection.

AE
499 N El Camino Real
AAA Encinitas Insurance and Member Services
Business Insurance Agent · Encinitas, CA

AAA Encinitas Insurance and Member Services serves businesses throughout San Diego County as a local business insurance agent. This agency assists commercial clients with identifying appropriate coverage to protect their operations, assets, and liability exposures. The company works with area business owners to analyze specific risks, such as property damage or customer injury claims, and then presents tailored policy options from multiple carriers. Services it handles in this area include general liability insurance policies for retailers and professional liability coverage for small service firms.

SI
1036 2nd St
Schulte Insurance Agency
Business Insurance Agent · Encinitas, CA

Schulte Insurance Agency in Encinitas, CA provides business insurance agent services that differ between one-time policy placements and recurring coverage adjustments for evolving operational needs. They help local businesses evaluate standard liability, property, and workers’ compensation policies. The primary focus is matching each company’s sector-specific exposures with appropriate protection plans. Service runs on a combination of a scheduled renewal review and an as-needed consultation model for new exposures or policy changes.

NW
330 Encinitas Blvd suite 202c
Nick Witzmann Insurance Agency
Business Insurance Agent · Encinitas, CA

Nick Witzmann Insurance Agency specializes in business insurance, offering policies tailored to protect commercial property and liability risks. It serves local businesses throughout the Encinitas, California area, working to address the unique coverage needs of different industries. The agency also assists entrepreneurs with general insurance planning for their operations and assets. As the coastal tourism season approaches, it helps seasonal businesses manage the increased liability exposures that accompany higher customer traffic and temporary staffing changes.

CI
144 W D St Suite 109
CJT Insurance, Vehicle Registration, VIN Verification
Business Insurance Agent · Encinitas, CA

As the seasons shift in coastal Encinitas, local business owners often face new liability risks from fluctuating foot traffic and contractor exposure. CJT Insurance, Vehicle Registration, VIN Verification responds by offering tailored coverage reviews and policy adjustments for small and mid-sized enterprises. The agency helps clients align general liability, property, and commercial auto plans with current operational needs. To measure risk accurately, a formal inspection of premises and vehicle records is the standard initial step.

FI
187 Calle Magdalena Suite 110
Farmers Insurance - Julie Haidao
Business Insurance Agent · Encinitas, CA

Farmers Insurance - Julie Haidao provides business insurance coverage for companies in the Encinitas area, helping local enterprises manage their operational risks. This agency specializes in adding tailored policies for property protection, general liability, and workers' compensation to safeguard against daily uncertainties. Typical commercial sectors served include professional offices, warehouses, and food service establishments, each needing distinct coverage solutions for its unique exposures and regulatory requirements.

CI
996 N Coast Hwy 101 Suite C
CLS Insurance Services - Coastal Live Scan
Business Insurance Agent · Encinitas, CA

CLS Insurance Services - Coastal Live Scan in Encinitas, CA provides residential insurance to help protect homeowners and renters in the area. The agency also offers commercial coverage designed for local businesses facing liability and property risks throughout San Diego County. Clients benefit from professional advice tailored to their individual needs and property types. After helping secure policies, the team remains available for follow-up questions and policy reviews between regular visits or when coverage needs change.

BQ
1103 Quail Gardens Ct
Best Quote Insurance Services
Business Insurance Agent · Encinitas, CA

Best Quote Insurance Services in Encinitas, CA, is known for helping local businesses secure essential liability and property coverage. The agency guides clients through options like general liability, commercial property, and workers compensation policies tailored to various industries. This firm routinely compares policies from multiple carriers to find appropriate coverage limits. It also assists with business interruption insurance for organizations needing income protection during unexpected closures. In addition, the company acts as an agent for specialty add-ons such as equipment breakdown insurance for machinery and technology assets.

FI
360 N El Camino Real # 3C
Farmers Insurance - Thomas Krynicki
Business Insurance Agent · Encinitas, CA
(760) 230-4875
agents.farmers.com/ca/encinitas/thomas-krynicki
IC
676 Polaris Dr
Insuranca.com
Business Insurance Agent · Encinitas, CA
(760) 271-1717
insuranca.com
KI
360 N El Camino Real
King Insurance
Business Insurance Agent · Encinitas, CA
(760) 753-7000
TR
360 N El Camino Real #1a
Travelers
Business Insurance Agent · Encinitas, CA
(858) 436-7999
travelers.com
JR
4405 Manchester Ave
J R Wood Insurance Agency
Business Insurance Agent · Encinitas, CA
(760) 944-1848
robertwoodinsurance.com
IA
1042 N El Camino Real Suite B-304
IPRO Agency Insurance Services
Business Insurance Agent · Encinitas, CA
(855) 526-0086
FI
531 Encinitas Blvd STE 202
Farmers Insurance - Sam Delegge
Business Insurance Agent · Encinitas, CA
(760) 579-2727
agents.farmers.com/ca/encinitas/sam-delegge
PL
1042 N El Camino Real
Professional Liability
Business Insurance Agent · Encinitas, CA
(888) 673-8039
iprowest.com/contact-us

What Does a a Business Insurance Agent in Encinitas Cost?

Typical costs for a small business insurance policy in California range from 500 to 3,000 dollars per year for general liability. Workers compensation premiums vary by payroll and industry classification, often starting around 1,000 dollars annually for low-risk offices. A business owner policy for a small retail shop in Encinitas might cost 1,200 to 2,500 dollars per year. Costs depend on coverage limits, location, and claims history. This is general information and not insurance advice.

About business insurance agents in Encinitas

Business insurance agents in Encinitas help local companies secure coverage tailored to the unique risks of coastal California operations. These agents can guide you through California commercial general liability requirements and workers compensation laws. Whether you run a surf shop or a tech startup, an Encinitas agent can find policies that protect your business assets.

Frequently Asked Questions

What types of business insurance are required in California?

California law requires workers compensation insurance for most employers. Commercial auto insurance is required for any business-owned vehicles. Other coverages like general liability are not legally required but are typically demanded by landlords and clients.

How do Encinitas business insurance agents help with coastal risks?

Encinitas agents understand risks like coastal flooding, wildfire, and earthquake exposure. They can recommend policies that cover property damage and business interruption from these events. Agents also know how to structure coverage for seasonal tourism businesses.

Can I bundle multiple business insurance policies in Encinitas?

Yes, many agents offer business owner policies that bundle general liability, property, and business interruption coverage. Bundling often reduces total premiums. An agent can compare options from different carriers to find a suitable package.

Business Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each business insurance agent's credentials and current standing with your state Department of Insurance.