Top-Trusted Business Insurance San Diego, CA


Independent San Diego Business Insurance Agency


Business insurance, or sometimes called commercial business insurance, protects your small business from an accident or mistakes that involve your business property, your customers or your employees. The idea behind business insurance is simple; you pay a certain insurance premium, so in return, you do not have to pay large amounts after a mistake or an accident. Here at H&M Insurance Agency, we provide the most affordable small business insurance in San Diego. Let our team tailor small business insurance policy based on the specific needs of your business.



(619) 296-0005

H&M Insurance is here to guard your interests and advise you on how to get complete business coverage in San Diego at a lower price. Suppose you want additional coverage for property, liability or perils or conditions otherwise excluded. In that case, you can purchase them as endorsements to a standard policy or as separate policies.

#1 San Diego Business Insurance

We offer insurance solutions for many small businesses like retail stores, restaurants, motels and hotels, supermarkets/grocery stores, barber/beauty salons, bakeries, garage operations, car washes and much more. Depending on what you want to cover, choose the package that will not leave anything out.

We understand that choosing the right business insurance plan for your business can be very confusing, so we have created many different options and programs to meet your insurance needs. Insurance for small businesses in San Diego is designed to provide business owners with a package of coverage with options necessary to meet a wide variety of insurance needs. We offer several types of business insurance:


It is usually the first policy purchased by business owners. It offers financial protection if you are held responsible for some of the most common accidents that can occur, like customer injury, property damage, and libel or slander.


BOP usually combines the two most common types of insurance for business – general liability coverage, commercial property insurance, and includes all the coverage available in those two types of insurance, plus you can save by bundling two policies into one.


If you use your vehicle for work, commercial auto insurance is very important to protect your business from unexpected expenses if you or your employee is involved in a work-related auto accident.


Also known as business income insurance, will help your small business after some unfortunate event while its facility is either closed because of the disaster or in the process of being rebuilt after it.


Business hazard insurance is a type of insurance that will help you pay for repairs, construction, and related expenses for the building, goods, gear, inventory, or other items. You have an option to add business income coverage and equipment breakdown.


Also known as errors and omissions insurance, will help you defend your business against a negligence claim made by the client and damages awarded in such a civil lawsuit. It will protect you even if the claim proves to be groundless.


This form of insurance will protect your business from generally all the risks related to the information technology infrastructure, information governance liability, information privacy, and all activities related to them. Also known as data breach insurance.


It is coverage for loss of money, securities, or other assets resulting from employee theft, certain types of fraud (like forgery), theft of property from the premises, and impersonation fraud.


If your equipment is essential to your business, then this type of policy is just right for you. If your costly equipment is stolen from your job site, from a trailer, or someone damaged your equipment, having this type of insurance is helpful.


Machinery malfunction can really be devastating, especially if your business depends on properly functioning equipment. This insurance will help pay for the repair or replacement of the damaged equipment, lost income, and spoiled inventory during that time.


Most states require workers’ comp, so it serves to protect you and your employees after a workplace injury. It can help cover medical treatments, lost wages, death benefits, and employer liability.


This coverage protects businesses that travel or complete work away from the office. It covers property you transport from one location to another, property stored off-site at a warehouse or storage facility, or properties stored in moveable vehicles.


In case your employee sues your business for reasons such as discrimination, wrongful termination, or harassment, the EPL will cover the cost of the lawsuit, even if you are not at fault.


This is a coverage of the businesses that generate a profit from alcohol. It can be added as an endorsement to a general liability policy or purchased as a separate policy.


It is extra coverage that helps you pay for the costs that exceed liability policy limits. These costs usually include legal expenses or medical bills. It is an extra layer of liability protection on top of your other insurance policies.


These are the forms of insurance policies issued by licensed insurance companies and are used to protect against losses and damages and manage risk in commercial business transactions. They serve as a guarantee of future work performance.


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Business Insurance San Diego

restaurant insurance

Any business that works with food and beverages needs to have some type of insurance to protect against misfortunes and perils. More Info.

hotel insurance

Having the best protection against natural disasters, bodily injury, property damage, and more is easy and fast with H&M Insurance Agency. More Info.

contractor insurance

You can get sued for almost anything, so having the right contractor insurance can save your business from work-related accidents. More Info.

bakery insurance

Ruined reputation, huge financial losses, closed bakery – not the scenarios you want to face. With the right bakery insurance, you can focus on growing your business. More Info.

landlord business insurance

Landlord policies are designed to provide protection to those who want to rent their single-family home or investment property. More Info.

workers comp insurance

This type of mandatory insurance provides coverage for lost wages and medical bills if the employee suffers from a work-related injury or illness. It will save your company from great financial loss in case of costly lawsuits and employee issues.More Info.

HVAC insurance

Mistakes happen even in the most skillful HVAC team. The right kind of insurance will help you cover the expenses of the lawsuits, damages, and injuries that can occur in everyday business. More Info.

plumber insurance

The plumbing business faces various risks every day – accidental property damage, bodily injuries, and third-party claims are just some of them. Your team and your finances will be protected with the plumbers’ insurance. More Info .

electrician insurance

Having adequate protection in case something unexpected happens can be such a relief so that you can focus on more important aspects of your electrical business. More Info.

We are the Best Provider of Business Insurance in San Diego, CA

We understand that every business is unique, which translates into the need for a unique insurance solution. You can always add different coverage depending on the specific risks associated with your company. H&M Insurance will create a solution for you based on the size of your company and the number of employees. We can be your reliable and trustworthy partners for years.

  • Our company has more than 50 years of experience;
  • We offer the best possible rates and affordable prices;
  • We are the partners with some of the most prominent insurance companies;
  • We minimize risks, reduce costs, and deliver quality coverage based on your individual insurance needs;
  • We are a family-owned company;
  • We are specialized in San Diego and California markets;
  • Requesting our quotes is fast, easy, and free.
small business insurance san diego ca

Benefits of Business Insurance

Having a successful business means that you need to protect it from the unexpected. Most companies usually start with general liability, workers’ comp, commercial property, business income, commercial auto, and professional liability coverage. Some benefits of having business insurance include:

The Law Requires It

California only requires two types of commercial insurance policies – workers compensation (any non-owner employees) and commercial auto, if the business owns any vehicles titled to the business.

Failure to carry legally required coverage could result in far more cost than the price of an insurance policy. You can get fines, exclusion from public contracts, civil or criminal penalties, ‘cease and desist’ orders or even imprisonment in some extreme cases.

Helps in Minimizing Financial Losses

Without the right type of business insurance, you could end paying for repairs, replacement and medical costs, legal fees and other payments. If your business does not have the finances to cover it, you may be in a very bad position. When you have a business insurance company on your side, you can have peace of mind so you can focus on more important aspects of your business, like business development.

Increases the Credibility of Your Business

Having insurance will make your business look credible. Your clients will know that they can trust you because even in case something goes wrong with the work you do for them, you have a way to compensate. In some cases, clients can demand proof of insurance before signing a contract with you, so having one can help you in negotiations.

Protects Your Employees

As your most valuable asset, your employees will be protected in the event of an accident. Having a positive working environment is essential. Besides the mandatory workers’ comp, you can offer some other type of policy, like disability coverage, even if you have to charge your employees a portion of the cost.

You Could Get Sued

Because we live in a litigious society, and only one accident or broken contract could mean you go out of business due to the cost of legal defense.

Protects Your Business Against’ Acts of God’

In insurance terms, ‘Acts of God’ means any accident or event not caused by human hands. Tornados, floods, hurricanes, and fires caused by lightning are perils that are usually covered. There are two types of insurance policies that protect against such loss: all-risk and peril-specific.

All-risk policies cover events except for those expressly mentioned. Peril-specific policies list particular risks and cover fire, floods and other specified acts of God.

Helps in Attracting and Retaining Employees

Having a skillful team that you can rely on is a huge advantage, so do not let the absence of the right insurance ruin that image. Besides the salary, qualified job seekers look for a benefits package that includes life, health, disability, and long-term care insurance.

Business Insurance FAQs

The vast majority of small businesses suffer from financial losses, so having minimum insurance is the business-saver. General liability and property insurance is good place to start. If your company uses cars, commercial auto insurance is mandatory. Also, if you have employees, workers’ comp is mandatory.

Business insurance cost depends on various factors:

  • Industry
  • Type of assets
  • Number of employees
  • Property owned
  • Payroll size
  • Types of coverage(s)
  • History of claims

Depending on the area where your business is located and the risks you want to cover, you need to select the type of insurance that would be the best solution for you – and the price depends on it. You can pick up a particular one or combine several to ensure that you are fully covered from all the potential financial losses. The best way to get the information on the prices is to call the H&M Insurance agency for a free quote at (619) 296-0005.

Starting a business requires great investments. As a business owner, you are aware that you need to protect your business against great financial losses and unforeseen circumstances. Success comes from balancing risks and losses. When you keep those risks to a minimum, your business is safe. This is the time when business liability insurance comes to play to cover your company adequately.

When a business is growing, the coverage should be greater, too. Any important event such as entering a new market or relocating should make you reevaluate your liability policy. It is not easy to evaluate the level of risk because there are so many factors involved, and you also need to think about the future.

Apart from minimizing the risks, there are some additional ways of lowering the premiums for the small business:

  • Bundle insurance policies – Saving the money on the business insurance by bundling essential coverages into one policy – for example, BOP combines business liability insurance and commercial property insurance.
  • Pay your entire premium upfront – Of course that you can pay your premium monthly, but if you pay it entirely at once, you could get a discount.
  • Make your business safe – Managing your risks will reduce the likelihood of accidents at your work location and on the road.

Whereas the LLC protects your personal assets in the event of a suit, you must know that your business’s assets are still at risk. So, the answer is: Yes. The right type of business insurance will protect your business’s assets.

Insurance for rental businesses in California only requires third-party liability coverage. However, many rental company owners choose to add some other coverages or policies over and above what is required by law.

General liability insurance is insurance where your business is covered in case of third-party claims. For example, suppose your clients get hurt or damage their property at your place of business. In that case, you do not have to worry because your insurance will pay for damages and injuries.

With professional liability insurance, you are covered in cases you did something that you should not have (an error) or something you should have done but did not (an omission). The defense costs of the claim are covered, even in cases when the claim is groundless.

Searching “Business Insurance Near Me?” Get Expert Advice at H&M Insurance

H&M independent insurance agency is dedicated to finding you the best possible policy according to your business needs. We are partners with some of the most prominent insurance providers like Hartford, Next, Progressive, Hiscox, Nationwide, Geico, and many more. Let us take care of your business and help you narrow down the search.

Fill out the online quote form and find out how H&M Insurance could save you money. You can email us or just call (619) 296-0005 for more information on the best business insurance San Diego can provide.