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Find Commercial Insurance Agents Near You in Monterey, CA

Browse commercial insurance agents serving Monterey, California. Updated 2026-07-14.

The top-rated commercial insurance agent in Monterey, California is Jim Rinehart - State Farm Insurance Agent, rated 5.0 stars across 281 reviews. Other highly rated options include AAA Monterey Branch, Farmers Insurance - Jessica Connally, Natalie Hungerford: Allstate Insurance. This directory lists 16 commercial insurance agents serving Monterey.

Showing 16 commercial insurance agents in Monterey, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Jim Rinehart - State Farm Insurance Agent2511 Garden Rd Suite C-125(831) 393-8500
2AAA Monterey Branch53 Soledad Dr(831) 645-1900
3Farmers Insurance - Jessica Connally404 W Franklin St Ste 102(831) 424-0829
4Natalie Hungerford: Allstate Insurance591 Hartnell St(831) 642-6400
5Christopher Thom: Allstate Insurance201 Calle Del Oaks Ste A(831) 373-2791
6Chuck Hewett - State Farm Insurance Agent9 Soledad Dr C(831) 372-8006
7Capital Insurance Group1 Lower Ragsdale Dr(877) 200-4220
8Cowell & Smith Insurance Agency2250 N Fremont St(831) 372-5800
9Laurrie Pike Insurance Agency404 W Franklin St(831) 373-3180
10Finch and Pirkle Insurance482 Alvarado St(831) 372-1206
JR
2511 Garden Rd Suite C-125
Jim Rinehart - State Farm Insurance Agent
Commercial Insurance Agent · Monterey, CA

Jim Rinehart - State Farm Insurance Agent serves businesses in the Monterey, California area with commercial insurance coverage. The agency helps local companies manage the risks inherent in running a commercial enterprise. It works with various business types common to the region, tailoring policies to specific operational needs. In this coastal market, the agency regularly assists clients with general liability protection for retail and service establishments. It also frequently handles commercial property insurance for buildings and valuable business contents located throughout Monterey.

AM
53 Soledad Dr
AAA Monterey Branch
Commercial Insurance Agent · Monterey, CA

AAA Monterey Branch provides a complete range of commercial insurance agency services for local businesses in Monterey, California. The agency develops customized risk management plans and policy packages to address each client's specific operational needs. Ongoing service includes policy reviews and claims assistance to maintain appropriate coverage as businesses evolve. The office serves a variety of commercial properties, including single-family rental homes, apartment complexes, retail storefronts, and full-service restaurants in the Monterey area.

FI
404 W Franklin St Ste 102
Farmers Insurance - Jessica Connally
Commercial Insurance Agent · Monterey, CA

Farmers Insurance - Jessica Connally serves homeowners, businesses, and property managers in Monterey, California, providing commercial insurance agent services. Policies are tailored to protect local enterprises from common risks, including liability and property damage. Clients receive guidance on coverage options to ensure their assets are secure. The agency also extends its services to nearby communities along the Monterey Peninsula, such as Pacific Grove and Carmel-by-the-Sea, helping commercial clients manage their insurance needs across the region.

NH
591 Hartnell St
Natalie Hungerford: Allstate Insurance
Commercial Insurance Agent · Monterey, CA

Natalie Hungerford: Allstate Insurance serves Monterey and the surrounding communities in Monterey County, handling commercial insurance for local businesses. It works with property, liability, and workers' compensation policies to help protect companies from common operational risks. The agency provides coverage suited for small retail shops, professional offices, and service providers in the area. For a typical job, it begins with reviewing the client’s specific business operations and exposures to tailor a policy that meets their coverage needs and budget constraints.

CT
201 Calle Del Oaks Ste A
Christopher Thom: Allstate Insurance
Commercial Insurance Agent · Monterey, CA

Christopher Thom: Allstate Insurance in Monterey, CA distinguishes between one-time policies, such as those for a special event, and recurring coverage, like an annual commercial auto or general liability plan, allowing businesses to select the best fit. This local agent advises clients on appropriate protection for their operations, whether for a storefront or a small fleet. Service based on specialty needs runs on an as-needed basis, accommodating unique or changing business risks without a fixed schedule.

CH
9 Soledad Dr C
Chuck Hewett - State Farm Insurance Agent
Commercial Insurance Agent · Monterey, CA

Sailors, wineries, and hospitality businesses in Monterey often require robust liability coverage during the busy tourism season. Chuck Hewett’s agency assists local commercial clients in evaluating risks associated with coastal operations and seasonal staffing. The team identifies coverage gaps for property, general liability, and workers’ compensation. New business owners receive guidance on securing appropriate policies for their specific industry. An agent then schedules a thorough on-site inspection of the property to assess exposures and recommend necessary adjustments before binding any new commercial policy.

CI
1 Lower Ragsdale Dr
Capital Insurance Group
Commercial Insurance Agent · Monterey, CA

Capital Insurance Group specializes in commercial property, liability, and auto coverage for businesses in Monterey. It also advises on workers’ compensation policies and general risk management strategies tailored to local enterprises. The agency works closely with clients to review annual renewals and adjust coverage as operations evolve. It helps restaurants and retail shops prepare for winter storms that can disrupt coastal commerce and cause property damage.

CS
2250 N Fremont St
Cowell & Smith Insurance Agency
Commercial Insurance Agent · Monterey, CA

Cowell & Smith Insurance Agency works with businesses in the Monterey area to secure commercial insurance coverage tailored to specific operational risks. The agency can help clients build policies with specialty add-ons such as general liability, workers’ compensation, and professional liability protection. Its services are suited for a range of commercial sectors, including offices requiring property and liability cover, warehouses needing cargo and equipment protection, and food service establishments seeking coverage for spoilage and customer injury.

LP
404 W Franklin St
Laurrie Pike Insurance Agency
Commercial Insurance Agent · Monterey, CA

Laurrie Pike Insurance Agency offers residential insurance services for homeowners in Monterey, California, before broadening its expertise to commercial coverage for local businesses. This agency works with area companies to secure policies that protect against property damage, liability claims, and operational interruptions common in the region. Serving clients throughout the Monterey Peninsula, the agency focuses on understanding each commercial client’s unique risk profile. After an initial policy is set, the agent stays in touch for any needed adjustments, ensuring coverage remains relevant between regular annual reviews or renewal discussions.

FP
482 Alvarado St
Finch and Pirkle Insurance
Commercial Insurance Agent · Monterey, CA
HI
401 Fremont St Unit 100
HUB International
Commercial Insurance Agent · Monterey, CA
(831) 373-4925
hubinternational.com/offices/us/california/monterey
NI
700 Camino El Estero
Nikssarian Insurance Services, Inc.
Commercial Insurance Agent · Monterey, CA
(831) 333-9600
nikins.com
NI
480 Calle Principal Ste 4
Nationwide Insurance: Maffei Insurance & Financial Services
Commercial Insurance Agent · Monterey, CA
(831) 920-6533
agency.nationwide.com/ca/monterey/93940/donald-b-maffei
WG
400 Camino Aguajito # 200
Willow Glen Insurance
Commercial Insurance Agent · Monterey, CA
(831) 655-1200
willowgleninsurancemonterey.com
FI
9621 Citation Ct Suite C
Farmers Insurance - Devontaye Clark
Commercial Insurance Agent · Monterey, CA
(831) 277-5473
agents.farmers.com/ca/monterey/devontaye-clark
BI
444 Pearl St
Bray Insurance
Commercial Insurance Agent · Monterey, CA
(831) 375-1600
brayinsurance.com

What Does a a Commercial Insurance Agent in Monterey Cost?

The cost of commercial insurance in California varies widely. A small business might pay between 500 and 3000 dollars per year for general liability. Workers compensation premiums depend on payroll and industry classification and can range from 0.50 to 5.00 dollars per 100 dollars of payroll. Commercial auto insurance costs depend on driving records and vehicle types. These are general estimates and your actual cost will depend on your specific business. This information is general and does not constitute insurance advice.

About commercial insurance agents in Monterey

Commercial insurance agents in Monterey California help business owners protect their assets with tailored coverage. These agents understand the unique risks of the Central Coast economy including tourism agriculture and marine industries. California law requires certain businesses to carry workers compensation insurance and agents can guide you through compliance.

Frequently Asked Questions

What types of commercial insurance do Monterey businesses need?

Common coverages include general liability property insurance workers compensation and commercial auto. Businesses near the coast may also need flood or earthquake insurance. An agent can assess your specific risks and recommend appropriate policies.

How do I choose a commercial insurance agent in Monterey?

Look for an agent with experience in your industry and knowledge of California regulations. Check their licensing through the California Department of Insurance. Ask about their claims process and how they handle policy renewals.

Is commercial insurance required by law in California?

California law requires workers compensation insurance for most employers with one or more employees. Commercial auto insurance is required for vehicles used for business. Other coverages like general liability are not legally required but are often mandated by landlords or contracts.

Commercial Insurance Agents in Other California Cities

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