You've Worked Hard to Build Your Business. Is Your Insurance Keeping Up?
Business insurance isn't one-size-fits-all. A coverage review can help uncover potential gaps in protection for your property, customers, employees, vehicles, and income.
At Earl Simons Agency, we help California business owners review what they have, discuss what may be missing, and explore available policies—with clear answers and personal service.
Insurance availability, eligibility, pricing, and coverage terms depend on your industry, operations, insurer, underwriting, and policy wording. A review does not guarantee coverage or savings.
Real Agent Help for California Business Owners
Speak with an experienced insurance agent about business protection decisions, not an anonymous automated quote funnel.
Request Your Business Insurance Review
Tell us a little about your business and the coverage you're looking for. We'll personally follow up to discuss your options—no obligation.
Respect for Your Time
Running a business takes time. Tell us what you need and we'll help you understand practical options without unnecessary back-and-forth.
Live, Dedicated Support
Work with an experienced insurance agent who can discuss your business operations and help answer your coverage questions.
Coverage Gap Review
We help you think through potential risks involving property, liability, employees, vehicles, and income.
Business Package Options
We review relevant business policies and potential package options when available for your operations.
Protect the Business You're Building
You've invested time, money, and energy into your business. With more than 35 years of insurance experience, Earl helps California owners review risks, understand available coverages, and make informed choices about protecting what they've built.
- Property & Business Income coverage options for eligible buildings, equipment, inventory, and interruptions
- Business Liability for covered third-party injury and property damage claims
- Workers' Compensation for covered employee work-related injuries or illnesses
- Commercial Auto for eligible vehicles used in your business
- Crime & Umbrella Options when relevant and offered for your business
- Personalized Agent Support with coverage questions, quotes, and next steps
Experienced Help for Business Owners
Clear guidance from a real agent so you can focus on running your business.
Business Insurance Coverage Options
Your industry and operations help determine which policies and endorsements may be appropriate.
Commercial Property
Explore available protection for buildings, business personal property, equipment, inventory, and business income losses.
Business Liability
Discuss general liability and other coverage options for eligible third-party injury, property damage, and related claims.
Commercial Auto
Explore policies for eligible vehicles your business owns, leases, or uses for business operations.
Workers' Compensation
Discuss coverage for covered work-related injuries or illnesses suffered by employees, based on applicable policy terms.
Commercial Crime
Ask about options addressing eligible theft, fraud, and other covered crime-related losses.
Commercial Umbrella
Explore additional liability limits above eligible underlying business policies, subject to policy terms.