The top-rated commercial insurance agent in San Diego, California is Fusco Orsini & Associates Insurance Services, rated 5.0 stars across 608 reviews. Other highly rated options include The Insurance Store, Right Time Insurance Services, Bridlewood Insurance. This directory lists 28 commercial insurance agents serving San Diego.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Fusco Orsini & Associates Insurance Services | 8880 Rio San Diego Dr Ste 725 | (888) 789-6175 |
| 2 | The Insurance Store | 10981 San Diego Mission Rd #230 | (619) 401-1800 |
| 3 | Right Time Insurance Services | 1761 Hotel Cir S | (619) 299-6000 |
| 4 | Bridlewood Insurance | 13520 Evening Creek Dr N Suite 100 | (858) 753-7000 |
| 5 | Beach Break Insurance Agency #6008907 | 4849 Ronson Ct # 210 | (619) 567-7227 |
| 6 | Richard Turner Insurance Agency | 3511 Camino del Rio S UNIT 403 | (619) 296-6222 |
| 7 | Deluxe Insurance Services | 1770 Palm Ave B | (619) 424-8100 |
| 8 | California Contractor Insurance by Pacific United | 7851 Mission Center Ct UNIT 322 | (619) 274-8144 |
| 9 | California Brokerage Insurance Associates | 1851 San Diego Ave #120 | (619) 283-9999 |
| 10 | Prosper Insurance Solutions | 7710 Balboa Ave #323 | (858) 581-2131 |
Fusco Orsini & Associates Insurance Services serves businesses in the San Diego County area as a commercial insurance agent. The company assists local enterprises in securing essential coverage to protect their operations and assets. It evaluates risks across various industries, working to match each business with appropriate policies from its available market options. Among the specific services it handles here are general liability insurance and commercial property insurance for San Diego-based companies.
The Insurance Store provides a full range of commercial insurance agent services to businesses across San Diego, including policy consultation, risk assessment, and customized coverage solutions. Its service plans involve ongoing policy reviews and claims assistance to ensure clients maintain adequate protection. The company services a broad array of commercial property types, including single-family homes operating as businesses, apartment complexes, retail storefronts, and full-service restaurants.
Right Time Insurance Services assists businesses, property managers, and commercial property owners in San Diego with their insurance needs. The agency provides tailored coverage solutions for general liability, property protection, and workers’ compensation, helping local enterprises manage risk and secure their assets. Clients benefit from guidance on policy options that address the specific challenges of operating in a coastal environment. The agency also extends its commercial insurance services to the neighboring communities of La Mesa, El Cajon, and Chula Vista.
Serving San Diego and its surrounding communities, Bridlewood Insurance provides commercial insurance agent services for local business owners. The agency handles general liability, property, and workers’ compensation policies tailored to various industry needs. Their office focuses on assessing client operations to recommend appropriate coverage limits. To complete a typical job, the agent reviews business exposures, collects relevant financial data, and presents policy options for risk management.
Beach Break Insurance Agency #6008907 in San Diego, CA distinguishes between one-time commercial policies, such as those for a single event or project, and recurring annual plans that renew to cover ongoing operations. The agency offers standard commercial insurance coverage, including general liability and property protection, tailored to local business needs. Services are available on either a one-time or as-needed basis, and clients may also request scheduled policy reviews or updates as their business requirements change.
Richard Turner Insurance Agency in San Diego offers commercial insurance for businesses, including property, liability, and workers’ compensation policies. It also serves a broad range of local enterprises, from retail shops to professional offices, with coverage tailored to operational exposures. The agency helps owners manage company vehicles, equipment breakdowns, and general risk protection. For San Diego businesses, it provides seasonal guidance on managing wildfire-season coverage changes or adjusting policies for tourism-driven revenue fluctuations during summer months.
As San Diego businesses prepare for wildfire season, Deluxe Insurance Services provides commercial insurance options tailored to local enterprise risks. The agency helps restaurant and retail owners in the Gaslamp Quarter secure liability protection, while assisting logistics firms near the port with cargo coverage. Market conditions in Southern California require updated policies for subcontractors and event organizations. Deluxe Insurance Services customizes plans to protect inventory and property assets. An initial consultation reviews existing exposure and can schedule an on-site inspection of commercial premises.
California Contractor Insurance by Pacific United provides commercial insurance to businesses in San Diego, helping them manage liability and property risks. The agency specializes in contractor-specific policies to address unique industry exposures. Business owners may secure coverage for their general operations, vehicles, and workers while protecting against job-site claims. Policies can serve a variety of commercial sectors, including offices, warehouses, and food service operations.
California Brokerage Insurance Associates serves residential clients in San Diego, California, with property coverage needs. The firm also provides commercial insurance for local businesses, helping them manage liability, property, and operational risks in the area. Their service extends throughout the San Diego region, where they meet with clients to review policies and adjust coverage as business circumstances change. After initial placements, the agency follows up between regular visits to address any emerging concerns or modifications in coverage.
Prosper Insurance Solutions is known for helping San Diego businesses secure reliable commercial insurance coverage tailored to their specific needs. It serves a full range of local enterprises, from retail shops to professional offices. The company assists clients in evaluating liability risks and protecting physical assets. It also provides guidance on compliance with California’s insurance requirements for various industries. For an added layer of protection, Prosper Insurance Solutions offers specialized coverage for cyber liability risks.
What Does a a Commercial Insurance Agent in San Diego Cost?
The cost of commercial insurance in San Diego varies widely by industry and risk level. A small office might pay 500 to 1500 per year for general liability. A construction company could pay 5000 to 20000 or more for a combined package. Workers compensation premiums in California are set by the state and average around 2.50 per 100 of payroll for low risk jobs but can exceed 20 per 100 for high risk jobs. This is general information not insurance advice.
About commercial insurance agents in San Diego
Commercial insurance agents in San Diego help businesses manage risk and meet legal requirements. California law requires most employers to carry workers compensation insurance even if they have only one employee. An agent can help you find policies that comply with state regulations and protect your specific business operations.
Frequently Asked Questions
What types of commercial insurance do San Diego businesses need?
Common coverages include general liability commercial property workers compensation and commercial auto. California law mandates workers comp for nearly all employers and commercial auto insurance for any vehicle used for business purposes.
How do commercial insurance agents in San Diego get paid?
Most agents earn a commission from the insurance company when they sell a policy. This commission is typically a percentage of the premium and is included in the price you pay. Some agents may also charge a consulting fee for complex accounts.
What information do I need to get a quote from a commercial insurance agent?
You will need your business license number estimated annual revenue number of employees and details about your operations. For workers comp you need your payroll by classification code. For property insurance you need the building value and contents value.
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