Commercial insurance for East Bay small businesses.
Contractors, retail shops, restaurants, service businesses — Chris writes commercial coverage across Contra Costa County. BOP, general liability, workers comp, commercial auto. One agent, one phone number, plain-English explanations.
What I can write for your business.
Every business is different. Chris looks at what you actually do and what you actually need — not a one-size-fits-all package.
BOP — Business Owner's Policy
Bundles property and general liability into one package at a lower price than buying separately. Designed for small to mid-size businesses. The most common starting point.
General Liability (GL)
Third-party bodily injury, property damage, and personal/advertising injury. If a customer slips in your store or your work damages their property, GL covers the claim and your legal defense.
Workers' Compensation
Required by California law if you have any employees. Covers medical costs and lost wages for work-related injuries. Chris writes it, explains it, and makes sure you're compliant.
Commercial Auto
Vehicles used for business — trucks, vans, service vehicles. Different from personal auto: higher limits, hired/non-owned coverage, and liability for employees driving on company business.
Commercial Property
Your building, equipment, inventory, and signage. Covers fire, theft, weather damage, and vandalism. Can be standalone or part of a BOP.
Contractors & Trade Coverage
Specialized for contractors: tool coverage, installation floater, completed operations, and sub-contractor coverage. Brentwood and Antioch have a lot of contractors — Chris knows what you need.
Who Farmers prices well for.
Farmers is competitive across a range of small businesses, but particularly strong for:
- Contractors and trades — plumbers, electricians, HVAC, landscapers, roofers
- Retail shops and restaurants — storefront property and GL
- Professional services — small offices, consultants, real estate
- Auto service — repair shops, detailers, tow operators
- Landlords and property investors — rental property coverage beyond a standard homeowners policy
If you're not sure whether your business fits, just ask. Chris will tell you honestly whether Farmers is the right fit or if you'd be better served elsewhere. No hard sell.
Commercial at a glance
Commercial insurance FAQ.
What is a BOP?
A Business Owner's Policy (BOP) bundles property and general liability coverage into one package at a lower price than buying them separately. It's designed for small to medium-sized businesses and is the most common starting point for new commercial clients.
Do I need workers comp if I'm the only employee?
In California, sole owners with no employees are generally exempt from carrying workers comp. If you have even one employee — full-time, part-time, or seasonal — California law requires it. Chris can confirm what applies to your specific situation.
What does general liability cover?
General liability covers third-party bodily injury, property damage, and personal/advertising injury. If a customer slips in your store or your work damages their property, GL pays the claim and your legal defense.
How much does commercial insurance cost?
It depends entirely on your business: industry, revenue, number of employees, location, claims history, and coverage limits. A small contractor's BOP might cost a few hundred dollars a month; a larger operation with workers comp and commercial auto could be significantly more. Text Chris for a real quote.
Can I bundle commercial auto with my business policy?
Yes. Commercial auto can be bundled with a BOP or written as a standalone policy. Bundling often saves money and simplifies your renewals — one agent, one date.