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HomeBusiness Insurance AgentsCalifornia › Rancho Santa Margarita

Find Business Insurance Agents Near You in Rancho Santa Margarita, CA

Browse business insurance agents serving Rancho Santa Margarita, California. Updated 2026-07-14.

The top-rated business insurance agent in Rancho Santa Margarita, California is Lori Garabedian - State Farm Insurance Agent, rated 5.0 stars across 120 reviews. Other highly rated options include David C. Duncan Insurance Services, Inc., Farmers Insurance - Jerry Farcone, Rick Sicro - State Farm Insurance Agent. This directory lists 16 business insurance agents serving Rancho Santa Margarita.

Showing 16 business insurance agents in Rancho Santa Margarita, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lori Garabedian - State Farm Insurance Agent30052 Aventura # C(949) 858-4400
2David C. Duncan Insurance Services, Inc.30376 Esperanza Suite 200(949) 836-8116
3Farmers Insurance - Jerry Farcone30201 Aventura Ste 201(949) 709-7860
4Rick Sicro - State Farm Insurance Agent22362 Gilberto Ste 240(949) 240-9300
5Mashco Insurance Solutions Inc31 La Cascada(949) 838-4233
6Adam Bays - State Farm Insurance Agent22521 Avenida Empresa Ste 105(949) 305-8432
7George Menclewicz: Allstate Insurance22342 Avenida Empresa Ste 130(949) 459-2795
8Shorr Agency Inc30211 Avenida de las Banderas(888) 737-6200
9Julie's Insurance Services30211 Avenida de las Banderas # 200(949) 979-6771
10Farmers Insurance - Renee Connell30211 Avenida de las Banderas # 200(949) 888-6610
LG
30052 Aventura # C
Lori Garabedian - State Farm Insurance Agent
Business Insurance Agent · Rancho Santa Margarita, CA

Lori Garabedian - State Farm Insurance Agent serves the Rancho Santa Margarita area in Orange County, providing comprehensive business insurance solutions. The agency works with local entrepreneurs and companies to design commercial policies that protect against common operational risks. Clients receive guidance on selecting appropriate coverage limits for their specific industry needs. The office helps manage commercial auto policies for company fleets and offers general liability insurance tailored to small and mid-sized businesses operating in this Southern California community.

DC
30376 Esperanza Suite 200
David C. Duncan Insurance Services, Inc.
Business Insurance Agent · Rancho Santa Margarita, CA

David C. Duncan Insurance Services, Inc. provides a comprehensive range of business insurance coverages, including general liability, property, and workers’ compensation policies tailored to commercial clients. Its service plans include policy review sessions to help adjust coverage limits as a business evolves, with maintenance offerings for timely renewals and compliance updates. The agency services a variety of property types within Rancho Santa Margarita, such as single-family homes operated as businesses, apartment complexes, retail storefronts, and independently owned restaurants.

FI
30201 Aventura Ste 201
Farmers Insurance - Jerry Farcone
Business Insurance Agent · Rancho Santa Margarita, CA

Farmers Insurance - Jerry Farcone serves homeowners, local business owners, and property managers in Rancho Santa Margarita, California. The agency provides business insurance coverage tailored to protect assets, liability, and operational risks common to small and mid-sized companies in the region. Jerry Farcone works with clients to review policies and adjust coverage as businesses grow or change. The agency also serves the surrounding communities in the greater Mission Viejo area, offering convenient access to insurance services for nearby business owners.

RS
22362 Gilberto Ste 240
Rick Sicro - State Farm Insurance Agent
Business Insurance Agent · Rancho Santa Margarita, CA

Serving Rancho Santa Margarita and the surrounding Orange County communities, Rick Sicro - State Farm Insurance Agent handles commercial insurance for small and mid-sized businesses. The agency addresses general liability, property coverage, and workers compensation policies. It also assists with commercial auto insurance, helping protect fleet vehicles and company drivers. Each client’s business operations and risk profile are carefully reviewed during an initial consultation, and the agent tailors coverage recommendations to match specific needs and budget constraints.

MI
31 La Cascada
Mashco Insurance Solutions Inc
Business Insurance Agent · Rancho Santa Margarita, CA

Mashco Insurance Solutions Inc in Rancho Santa Margarita, CA, distinguishes between offering a single policy for a short-term project and establishing an ongoing insurance program for a growing enterprise. Its business insurance agent services focus on structuring coverage that protects against liability, property damage, and other operational risks common in the local area. Service is provided strictly on a scheduled basis, typically tied to policy renewal cycles or annual business reviews rather than single engagements or unscheduled requests.

AB
22521 Avenida Empresa Ste 105
Adam Bays - State Farm Insurance Agent
Business Insurance Agent · Rancho Santa Margarita, CA

As local businesses in Rancho Santa Margarita gear up for the new fiscal year, reviewing liability coverage becomes a priority. Adam Bays – State Farm Insurance Agent provides tailored analysis for commercial properties and independent contractors in the area. Policies can address common exposures such as client injury, property damage, or employee disputes that arise during operations. A detailed consultation begins with an inspection of current coverage limits and potential gaps, rather than offering a generic quote.

GM
22342 Avenida Empresa Ste 130
George Menclewicz: Allstate Insurance
Business Insurance Agent · Rancho Santa Margarita, CA

George Menclewicz: Allstate Insurance offers business insurance services for companies in Rancho Santa Margarita, California. The agency provides tailored coverage options, including general liability and property insurance, designed to protect local enterprises without inflated costs. It also assists with commercial auto policies and workers’ compensation plans. A common seasonal concern the agency helps address is the increased liability exposure small retail businesses face during the busy holiday shopping period.

SA
30211 Avenida de las Banderas
Shorr Agency Inc
Business Insurance Agent · Rancho Santa Margarita, CA

Shorr Agency Inc provides business insurance services to companies throughout Rancho Santa Margarita, California. Commercial coverage options are designed to address common local risks faced by small and mid-sized firms, including liability and property protection. The agency also assists residential clients with related insurance needs. With a steady focus on professional service, the agency encourages existing policyholders to reach out between regular visits for timely policy adjustments and coverage reviews to accommodate changing business circumstances.

JS
30211 Avenida de las Banderas # 200
Julie's Insurance Services
Business Insurance Agent · Rancho Santa Margarita, CA

Julie's Insurance Services in Rancho Santa Margarita, CA, is known for helping local businesses secure essential liability coverage and property protection against common regional risks. Its service range includes general liability insurance, workers' compensation policies, and commercial auto insurance designed to meet the needs of small to medium-sized enterprises in the area. The agency focuses on explaining coverage options clearly to support informed decision making. For businesses requiring broader risk management, it can add professional liability insurance for specific industry exposures.

FI
30211 Avenida de las Banderas # 200
Farmers Insurance - Renee Connell
Business Insurance Agent · Rancho Santa Margarita, CA
FI
30162 Tomas Ste 205
Farmers Insurance - Cameron Watson
Business Insurance Agent · Rancho Santa Margarita, CA
(800) 922-6526
agents.farmers.com/ca/rancho-santa-margarita/cameron-watson
EI
23142 Arroyo Vista
Edson Insurance Services Inc.
Business Insurance Agent · Rancho Santa Margarita, CA
(800) 696-7544
RI
22342 Avenida Empresa Ste 130
RSM INSURANCE & FINANCIAL SERVICES
Business Insurance Agent · Rancho Santa Margarita, CA
(877) 459-2795
RI
31441 Santa Margarita Pkwy
Rischel Insurance Services
Business Insurance Agent · Rancho Santa Margarita, CA
(949) 589-8763
FI
30021 Tomas
Farmers Insurance
Business Insurance Agent · Rancho Santa Margarita, CA
(949) 581-4466
farmers.com
TO
22342 Avenida Empresa #255
totalinsuranceaccess
Business Insurance Agent · Rancho Santa Margarita, CA
+234 714 990 4362
totalinsuranceaccess.com

What Does a a Business Insurance Agent in Rancho Santa Margarita Cost?

Typical costs for a small business insurance policy in California range from $500 to $3,000 per year for general liability. Workers compensation premiums vary by payroll and industry classification, often starting around $1,000 per year. Professional liability insurance can cost $1,000 to $5,000 annually depending on risk level. These are general estimates and actual costs depend on your business type, location, and claims history. This is general information, not insurance advice.

About business insurance agents in Rancho Santa Margarita

Business insurance agents in Rancho Santa Margarita help local companies find coverage for general liability, commercial property, and workers compensation. California law requires most employers to carry workers compensation insurance. Agents can also advise on policies that meet state specific requirements for auto liability and professional liability.

Frequently Asked Questions

What types of business insurance are required in California?

California law requires workers compensation insurance for nearly all employers. Businesses with vehicles need commercial auto liability insurance. Other coverages like general liability are not legally required but are often needed by landlords or clients.

How do I choose a business insurance agent in Rancho Santa Margarita?

Look for an agent licensed in California who works with multiple insurance carriers. Ask if they have experience with your industry type. A local agent can help you understand risks specific to Orange County.

Can a business insurance agent help me lower my premiums?

Yes. An agent can review your operations and suggest risk management steps that may reduce premiums. They can also compare quotes from different carriers to find competitive rates for your coverage needs.

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.