Trusted by San Diego Businesses Since the ‘70s.
- Real Coverage for Small Business Owners.
- One Call. All Your Needs Covered.
- Licensed in California. Based in San Diego.
- Local Agents. No Outsourcing.
- Quotes from Major Carriers.
Tailored for Small Business
Policies customized for your business needs.
San Diego & California Specialized
50 years of experience specializing in the California insurance market.
Independent Insurance Agency
Don’t get locked with one insurance company; with us, you have many options.
Instant Quotes
Get no-obligation review and best available rates and coverage easily.
WHO WE ARE?
MEET HERRIOTT & MIJAILOVIC INSURANCE AGENCY INC
We are H&M Insurance - an independent San Diego insurance agency based at 801 Washington Street. H&M insurance is a family-owned business established 50 years ago with tremendous experience in the insurance field, especially in the California market.
What sets us apart from other San Diego insurance agencies is the constant desire to help our clients find the business insurance that satisfies their necessities. We offer a wide variety of coverage options and carry many insurance providers. We built our reputation by establishing long-lasting relationships with each of our clients.
INNOVATIVE: PERSONALIZED: BUDGET-FRIENDLY COVERAGE
Why Choose H&M Insurance?
- We are a local San Diego independent insurance agency
- Family-owned and operated company
- We provide personal and business insurance plans
- Broad range of insurance options, we work with multiple carriers
- Flexible and personalized insurance coverage within your budget
- Deep understanding of California insurance market and trends
- Expertise in local California regulations and requirements
- We offer industry-related insurance coverage
- Our agents are responsive and easy to communicate with
- Easy and efficient claim process handling
COMPREHENSIVE INSURANCE OPTIONS
Our Partners
Don't settle for a limited selection of insurance options. At H&M Insurance, we understand that you have unique insurance needs and one-size-fits-all approach won't do. That's why we partner with A+ insurance providers like Safeco, Travelers, CIG and many others to offer you the flexibility and freedom to choose the policy and carrier that best align with your requirements.
We Are 5-Stars Rated Insurance Agency
DON’T SACRIFICE INSURANCE BECAUSE OF THE BUDGET
Small Business Insurance in San Diego
ou've worked hard as a small business owner to build your dream. We're here to help protect it.
Protect your business from financial loss due to unexpected events. Our business insurance solutions cover everything from general liability to workers' compensation – and everything in between. Over the years, we tailored policies for some of the most popular industries. We perfectly understand the challenges you face every day, so let’s make a deal. You can fuel your entrepreneurial spirit, focus on business growth and success, and let our insurance agents provide the best coverage for your business. Get in touch with us and explore H&M insurance plans tailored for small businesses just like yours.
Small Business Insurance
Ensure the success and longevity of your company! Protect your small business from expensive lawsuits, employee injuries, natural disasters and property damage. Our insurance agency provides personalized small business insurance plans to protect you from unexpected events that can put on risk your hard work.
Workers Comp Insurance
Employees are your most important asset. We are your one-stop insurance partner providing protection against liability for workplace injuries. Agents at H&M insurance agency have expertise and knowledge of local California laws and regulations. Good worker's compensation insurance is a commitment to the safety and welfare of your staff.
Fleet & Commercial Auto Insurance
If your fleet is the backbone of your operations, it deserves the best protection possible. Don't let traffic accidents, theft or other events affect business performance. Fleet and commercial auto insurance provide essential protection for your drivers and cargo. Don't take any chances - invest in commercial auto insurance today and keep your business moving forward. 
- CUSTOM INSURANCE PLANS
- INDUSTRY-RELATED INSURANCE COVERAGE
- BOP
- BUSINESS PROPERTY INSURANCE
- LIABILITY PROTECTION
- BUSINESS INTERRUPTION INSURANCE
- CRIME INSURANCE
- SAVE WITH BUNDLE POLICIES
- AND MUCH MORE
TIPS, UPDATES AND INSURANCE GUIDANCE FROM THE H&M TEAM
Small Business Insurance Resource Center
California’s 2025 Commercial Auto Liability Insurance Update
Starting January 1, 2025, the State of California is raising the minimum required liability limits for all auto insurance policies, including those held by businesses that operate commercial vehicles. Read more >
San Diego Contractor Insurance Mistakes
Many San Diego contractors carry the wrong insurance - or not enough of it. This post explains common gaps and how to avoid costly mistakes. Read more >