What We Cover
Coverage Built for Western Business
Every policy we write starts with a conversation. We learn your business, your risks, and your goals — then we build coverage that actually fits.
Explore your coverage options
Choose a coverage type to see who it’s for and the protection it can offer.
Workers' Compensation
Protect your people. Protect your business.
In California, Arizona, and Nevada, workers' compensation isn't optional — it's the law. But beyond compliance, it's the right thing to do. When an employee is injured on the job, workers' comp covers their medical expenses and lost wages while protecting your business from costly lawsuits.
Who it’s for
Any employer in California, Arizona, or Nevada with one or more employees is required to carry workers' compensation insurance. This includes full-time, part-time, and seasonal workers.
Key benefits
- Medical expense coverage for work-related injuries
- Wage replacement for injured employees
- Employer liability protection
- Return-to-work program support
- CA · AZ · NV compliance
General Liability
Your first line of defense.
General liability insurance protects your business from third-party claims of bodily injury, property damage, and personal injury. Whether a customer slips at your location or your work accidentally damages a client's property, GL coverage has you covered.
Who it’s for
Nearly every business needs general liability coverage. It's often required by landlords, clients, and licensing boards — and it's essential protection for any business that interacts with the public.
Key benefits
- Third-party bodily injury claims
- Property damage you cause to others
- Personal and advertising injury
- Legal defense costs
- Products and completed operations
Commercial Property
Protect the place you built.
Your building, equipment, inventory, and furnishings represent years of investment. Commercial property insurance protects those assets against fire, theft, vandalism, and other covered perils — so a single event doesn't derail everything you've built.
Who it’s for
Any business that owns or leases a physical space, or that relies on equipment and inventory to operate.
Key benefits
- Building and structure coverage
- Business personal property
- Equipment and machinery
- Inventory and stock
- Business interruption coverage
Commercial Auto
Keep your fleet moving, protected.
Personal auto insurance doesn't cover vehicles used for business purposes. Commercial auto insurance fills that gap — covering your company vehicles, drivers, and liability when accidents happen on the road.
Who it’s for
Any business that owns, leases, or regularly uses vehicles for business operations — from a single delivery van to a full fleet of trucks.
Key benefits
- Liability for accidents involving your vehicles
- Physical damage to your vehicles
- Hired and non-owned auto coverage
- Driver coverage for employees
- Fleet management options
Business Owner Policy
Smart coverage. Simplified.
A Business Owner Policy (BOP) bundles general liability and commercial property coverage into a single, cost-effective policy. It's designed for small to mid-sized businesses that want comprehensive protection without managing multiple separate policies.
Who it’s for
Small to mid-sized businesses looking for efficient, bundled coverage. BOPs are ideal for retail shops, offices, restaurants, and service businesses.
Key benefits
- General liability included
- Commercial property included
- Business interruption coverage
- Often more affordable than separate policies
- Customizable with endorsements
Surety & Performance Bonds
Your word, backed by a bond.
Surety bonds and performance bonds give your clients, partners, and licensing boards the assurance they need to work with you. Whether you're a contractor required to post a license bond, bidding on a public project, or fulfilling a contract that demands a performance bond, we'll match you with the right bond for the job.
Who it’s for
Contractors, construction firms, service businesses, and any company required by a client, government agency, or licensing board to carry a bond. Common in California, Arizona, and Nevada for public works and licensed trades.
Key benefits
- License and permit bonds
- Performance and payment bonds
- Bid bonds for project bidding
- Contract bonds for public and private projects
- Fidelity and commercial surety bonds
Professional Liability
Protect your expertise.
Also known as Errors & Omissions (E&O) insurance, professional liability coverage protects businesses that provide professional services or advice. If a client claims your work caused them financial harm — even if the claim is unfounded — this coverage pays for your defense and any resulting damages.
Who it’s for
Consultants, contractors, designers, IT professionals, healthcare providers, and any business that provides professional services or advice to clients.
Key benefits
- Defense costs for covered claims
- Errors and omissions coverage
- Negligence claims protection
- Coverage for past work
- Customizable limits
Not Sure What You Need?
That's exactly what we're here for. Tell us about your business and we'll walk you through the right coverage — no pressure, no jargon.