The top-rated commercial insurance agent in San Ramon, California is Alex Mutch - State Farm Insurance Agent, rated 5.0 stars across 187 reviews. Other highly rated options include Onstad's Insurance Agency, Roger Fernando - State Farm Insurance Agent, James H Foster Jr - State Farm Insurance Agent. This directory lists 20 commercial insurance agents serving San Ramon.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Alex Mutch - State Farm Insurance Agent | 3 Crow Canyon Ct Ste 250 | (925) 575-9114 |
| 2 | Onstad's Insurance Agency | 3130 Crow Canyon Pl Suite 425 | (925) 866-1444 |
| 3 | Roger Fernando - State Farm Insurance Agent | 2200 Camino Ramon | (925) 244-1700 |
| 4 | James H Foster Jr - State Farm Insurance Agent | 2819 Crow Canyon Rd #102 | (925) 820-1100 |
| 5 | Farmers Insurance - Tony Guerrero | 3180 Crow Canyon Pl UNIT 220 | (925) 242-0684 |
| 6 | The BFIS | The Brighton Financial and Insurance Services | 2258 Camino Ramon | (888) 412-7630 |
| 7 | Farmers Insurance - Daniel Dodge | 2355 San Ramon Valley Blvd Ste 208 | (925) 267-7148 |
| 8 | Carrion Insurance Services | 12935 Alcosta Blvd #455 | (925) 967-4166 |
| 9 | Michael Smith Insurance Solutions | 2010 Crow Canyon Pl #100 | (925) 683-9743 |
| 10 | Kuning Insurance Agency - A Farmers Presidents Council Agency | 2355 San Ramon Valley Blvd Ste 208-A | (510) 880-0200 |
Alex Mutch - State Farm Insurance Agent serves the San Ramon, California area with commercial insurance agent services. This agency provides specialized coverage policies tailored for local business operators of various sizes. Standard offerings include liability protection and property insurance for commercial facilities. Additionally, the agency handles workers compensation policies for staff safety and commercial vehicle insurance for business fleets.
Onstad's Insurance Agency in San Ramon, California, provides a full range of commercial insurance services, including general liability, property coverage, and workers' compensation. The agency structures tailored service plans to help local businesses manage risk and maintain their coverage through regular policy reviews and updates. Ongoing support is available for claims assistance and coverage adjustments as business needs evolve. The agency primarily services single-family rentals, apartment complexes, retail storefronts, and local restaurants.
Roger Fernando - State Farm Insurance Agent in San Ramon, CA serves homeowners, businesses, and property managers in need of commercial insurance coverage. The agency provides options for general liability, property protection, and business auto policies to help local companies manage risk. Services also include assisting self-employed professionals and small business owners with tailored insurance plans. This coverage extends to neighboring communities throughout the San Ramon Valley and the broader East Bay metro area.
Serving San Ramon and the surrounding East Bay communities, James H Foster Jr - State Farm Insurance Agent handles commercial insurance needs for local businesses. It addresses key coverages including general liability, property, and workers compensation. The agency takes time to explain each policy component so business owners understand their protection. For a typical job, it begins with a detailed review of the client's operations and risks. From there, it customizes a policy by comparing multiple coverage options to match specific exposures.
Farmers Insurance - Tony Guerrero in San Ramon, CA offers commercial insurance options that can be tailored for either one-time project needs or recurring business coverage. Their standard policies protect local enterprises against common liabilities such as property damage and general liability claims. Service may be arranged on a one-time, scheduled, or as-needed basis depending on the client’s operational demands and risk exposure.
The BFIS | The Brighton Financial and Insurance Services in San Ramon, CA specializes in commercial insurance for local businesses, offering property, liability, and workers' compensation coverage. The agency works closely with clients to review operational risks and secure appropriate policies for their industry. For firms facing increased liability during seasonal construction projects or holiday retail surges, the agency provides timely policy adjustments to maintain adequate protection.
As the Bay Area’s dry season raises wildfire risk for San Ramon businesses, securing proper liability and property coverage becomes essential. Farmers Insurance agent Daniel Dodge helps local enterprises identify gaps in their current policies, from general liability to commercial auto protection. He offers tailored guidance for small retail shops, professional offices, and contractors operating in Alameda and Contra Costa counties. Every new client relationship begins with a thorough on-site inspection of the business premises to assess exposure and recommend appropriate coverage limits.
Carrion Insurance Services in San Ramon, California, specializes in sourcing and managing commercial insurance policies for area businesses. The agency works with clients to assess their liability, property, and operational coverage needs, then tailors plans accordingly. It can serve a diverse range of commercial sectors, including offices needing professional liability protection, warehouses requiring inventory and equipment coverage, and food service establishments seeking comprehensive risk management for their unique exposures.
Michael Smith Insurance Solutions in San Ramon, CA handles residential insurance needs for local homeowners and renters. The agency also assists businesses across the region by securing tailored commercial coverage that protects against property damage, liability, and other operational risks. Serving clients throughout San Ramon and the surrounding East Bay area, the firm works to match each policy with specific requirements. Clients often return between regular policy reviews for updates on changing assets or business expansion, ensuring coverage remains aligned with current circumstances.
What Does a a Commercial Insurance Agent in San Ramon Cost?
Typical costs for commercial insurance in California vary widely. A small business might pay between 500 and 3000 dollars per year for general liability insurance. Workers compensation premiums are based on payroll and industry classification often ranging from 0.50 to 5.00 dollars per 100 dollars of payroll. Commercial auto policies can cost 1200 to 5000 dollars annually per vehicle. These are general estimates and your actual costs will depend on your specific business operations coverage limits and risk factors. This information is for general educational purposes and does not constitute insurance advice.
About commercial insurance agents in San Ramon
Commercial insurance agents in San Ramon California help local businesses secure coverage for property liability and workers compensation. California law requires most employers to carry workers compensation insurance under the California Labor Code. Agents can also advise on additional coverages like commercial auto and cyber liability for San Ramon based companies.
Frequently Asked Questions
What types of commercial insurance do San Ramon businesses need?
Common coverages include general liability property insurance workers compensation and commercial auto. California law mandates workers comp for any business with one or more employees. An agent can review your specific risks and recommend appropriate policies.
How do California laws affect commercial insurance in San Ramon?
California requires workers compensation insurance for all employers and has specific minimum liability limits for commercial auto policies. The state also has strict rules for professional liability coverage in fields like healthcare and real estate. Your agent can explain how these laws apply to your business.
Can a commercial insurance agent help me lower my premiums in San Ramon?
Yes agents can review your operations and suggest ways to reduce risk such as safety training or bundling policies. They can also compare quotes from multiple carriers to find competitive rates. Premiums depend on factors like industry payroll and claims history.
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