#1 San Diego Commercial Insurance


Independent San Diego Commercial Insurance Agency


Commercial insurance is essential for protecting your business since you cannot predict future events. Having the right type of business insurance is equally important for large and small companies. It should be part of your business plan. With the proper commercial insurance in San Diego, you will cover the risky points and have peace of mind. Your company will not be vulnerable to lawsuits, and there will be no risk of great financial losses. With H&M independent insurance agency, you will have the best premiums for all types of San Diego commercial insurance.



(619) 296-0005

Commercial business insurance is designed to help businesses stay protected against common risks that can threaten their success. Insurance policies are uniquely designed for specific industries and day-to-day activities. Insurance for business differs from personal insurance because it tends to have higher limits of coverage. We are here to support you and provide the business solutions you need to run smoothly.

Types of Commercial Insurance San Diego, CA

We are here to support you through your decision-making process and make sure you get the best commercial insurance premium. Each type of insurance covers a different aspect of your business. In case that you are not completely sure what could each type mean for your company, H&M Insurance staff will give you all the necessary information and details concerning the solutions we offer:


It is considered a type of comprehensive business coverage. However, it does not cover all the risks businesses may face. It provides coverage for bodily injury, personal injury, and property damage caused by the business operations that occur on the business premises.


This insurance combines business property and general liability in one convenient policy that is usually more affordable than purchasing each policy separately. It is usually purchased by small and medium-sized companies with low-risk profiles and basic coverage needs.


Any business that uses vehicles for business operations will need commercial vehicle insurance. It may cover business autos, trucks, and trailers and usually include liability, physical damage, medical payments, uninsured motorist, and non-owned coverage. Of course, you can always customize it.


It insures the inventory, your business physical structure, and tools and equipment. It also provides coverage against some manmade or natural disasters like vandalism, wind damage, and fire damage.


It can help your employees if they suffer a work-related injury or illness. The benefits usually include medical treatments, temporary disability benefits, permanent disability benefits, supplemental job displacement vouchers, and death benefits.


Also known as errors and omissions, covers claims of negligence, misrepresentation, or inaccurate advice. It will protect you and your company if you make a mistake in your professional services.


This policy will protect the tools and equipment you use in your everyday business. In case your tools are damaged, lost or stolen, your insurance policy will provide money to replace or repair your tools.


As an optional part of commercial insurance, it helps your boilers, machinery, air-conditioning, security systems, and computers keep your business running. Equipment breakdown insurance will pay for repairs after the covered incident and lost income due to broken-down equipment


Crime insurance protects your business from the costs associated with employee dishonesty, computer and funds transfer fraud, forgery, and theft of clients’ property. It does not cover you or your partners’ actions, your liabilities die to crime-related losses or your accounting errors.


It covers any legal costs, medical bills, damages to other people’s property, judgments and settlements that exceed the liability policy limits. Without this type of insurance, you would have to pay out of your pocket for claims that cost more than your policy limits.


This type of insurance will protect your business from financial losses resulting from a data breach. These policies usually include tech errors and omissions, cyber liability insurance, and data breach coverage to prepare for, respond to, and recover from cyberattacks.


Inland marine coverage protects equipment, products, and materials that you transport on land. It is designed to safeguard moveable business property and usually needs more protection than the typical BOP.


This type of insurance covers the loss of income that a business suffers after a disaster such as a fire or some natural disaster. It helps pay for operating expenses, payroll, taxes, loan payments, or, if necessary, a move to a temporary location.


Employers may face a number of different lawsuits for acts including harassment, discrimination, retaliation, wrongful discipline, or wrongful termination. Add legal fees, and the total cost can be staggering without EPL.


Liquor liability insurance protects businesses that manufacture, sell, distribute, or serve alcohol, regardless of size. In some cases, businesses are legally required to have liquor liability insurance before being given a liquor license.


This form of insurance is issued by the licensed insurance companies used to manage risks associated with the commercial transactions – different types of losses or damages. Sometimes the bonds are required by law before the commercial parties engage with each other.


Food spoilage policy can help you reimburse the cost of your lost food and beverages due to prolonged power outage, equipment breakdown, or mechanical breakdown. The contamination policy will pay for contamination-related loss: loss of income due to shutdown, equipment cleaning, replacing contaminated food, and many more.


It covers the portion of the employee’s income when they lose the ability to work due to a non-work-related injury or illness. Short-term and long-term disability plans are available. There is no direct coverage for your business, but this extra coverage can additionally motivate your employees.


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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.

Carpenter insurance


A carpenter policy includes reimbursement for financial liabilities due to injuries and property damage, and it’s critical for all flooring contractors, cabinet makers, framers, deck builders and lead carpenters. More Info.

Commercial Auto Insurance San Diego

commercial auto insurance in san diego


This type of coverage is designed for any company that uses vehicles for business purposes. It includes bodily injury liability coverage, medical payments, no-fault or personal injury coverage, uninsured and underinsured motorist coverage, and many more. More Info.

fleet auto insurance in san diego


Fleet insurance policy covers all your vehicles (at least two vehicles) with the most appropriate insurance plan that meets your specific needs and requirements. It provides liability insurance coverage for all of your business’s vehicles in one policy. More Info.

commercial truck insurance san diego


Any commercial transportation company with one truck or more, independent drivers, and any company with transportation-related activity must have commercial truck insurance. More Info.

We Are the Most Trusted Commercial Insurance Brokers in San Diego


We offer a vast network of insurance companies that fit your needs – we are here for you to provide quality policies for your business. You could benefit from purchasing the insurance from a variety of commercial insurers – we respect the need of every business owner for specific coverage. Remember, we work for you, not the insurance company you select.

  • We have more than 50 years of experience in the insurance industry;
  • We strive to find low-cost insurance specially tailored for your specific demands;
  • We are partners with the most renowned insurance companies;
  • We are a family-owned company;
  • We are dedicated to your personal insurance needs;
  • We are specialized in San Diego and California markets;
  • We provide commercial insurance quote that is free, easy, and fast;
  • Flexible payment options.
commercial insurance in san diego

Benefits of Commercial Insurance in San Diego

Running a business always comes with certain risks. The future is unpredictable, and anything can happen. Companies usually just get the bare minimum of insurance. However, different types of coverage can guarantee the safety of various aspects of your business.

Makes Your Business Credible

Most people will conduct research when looking for the company they want to do business with. Being properly insured builds trust with your clients, which is crucial for a successful business.

Protects Your Business in Case of Disaster

Although it cannot prevent misfortunes, the right insurance coverage can protect your earnings and assets in case of disaster or accident like fire, severe weather conditions, vandalism, or theft. It can help you start over and help you cover income loss.

Protects Your Employees

Your employees are the most valuable asset of your business. Having your competent staff protected all the time means protecting your company from lawsuits and liability claims. Most job seekers look for benefits like life, health, disability, and long-term care insurance. Having all these benefits will help you attract and retain qualified employees.

Covered Causes of Loss

The type of loss that will be covered depends largely on the terms of the policy, its endorsements and exclusions. It is up to you to choose the covered causes of loss based on your business risks and needs. There are two major types of causes of loss:

  • Specified perils – when choosing coverage, you can opt for specific perils like fire, explosions, windstorms, vandalism, and many others. You can have a policy that covers basic specified perils or one that provides broad specific perils coverage.
  • Open perils – covers all the losses, except those specifically excluded. Some of the common perils that are excluded are usually earthquakes and floods.

Insurance Requirements in the City of San Diego

Types of insurance required include, but are not limited to, Commercial General Liability, Workers’ Compensation, Automobile Liability, Garage Keepers, Crime, Product Liability, Pollution Liability and others. In general, Commercial General Liability, Workers’ Compensation, and Automobile Liability are required in the amount of $1,000,000.

Commercial Insurance Terms

There are a few things to understand about your commercial insurance policy. Of course, H&M insurance agents are here to help you understand the terms and help you choose the most suitable policy based on the needs of your business.

  • Premiums – the amount of money you as a business owner pay for the coverage. You can pay it monthly, annually, or however you make an agreement with your insurance agency.
  • Deductibles – it is your share of an insurance claim that you must pay before the insurer provides financial coverage. It is the amount of money any business is responsible for paying for any claim submitted, and the insurance company pays for the remaining amount owed. It makes the cost of commercial insurance affordable.
  • Policy limits – it is the highest amount of money your insurer will pay for a claim that your insurance policy covers.
  • Exclusions – are things that an insurance policy will not cover.
  • Endorsement – also called a rider, it is a change to your insurance policy that adjusts your original policy. It can be issued at the time of purchase, mid-term or renewal time.

Commercial Insurance FAQs

Commercial insurance is a type of insurance designed to protect businesses and corporations. It covers the company itself, its employees and ownership. It protects against claims due to losses, damages or injuries.

Commercial insurance is crucial for any business because it offers protection against misfortunes in the future. The high cost of medical bills, litigations, and property damages can ruin everything you worked so hard to create. Having at least general liability insurance will protect you against clients’ injuries and other types of accidents. You may need another kind of policy if you have employees, own a business vehicle or building, or provide expert advice.

The coverage you need depends on the type of business you own. At H&M Insurance Agency, we offer different products for commercial auto, commercial property, and liability coverages. To find out more about our offer and discuss what coverages you need for your specific business, please call our agents at (619) 296-0005.

Commercial Liability, also known as Commercial General Liability (CGL) Policy, is a standard business insurance policy used for protection against liability claims for property damage, bodily injury, advertising and personal injury arising out of premises, products, and operations.

California state law requires that all commercial vehicle policies have a minimum liability limit of $15,000 per person, $30,000 per accident for bodily injury and $5,000 for property damage.

It is a type of insurance used for trucking businesses and independent truck drivers. Its purpose is to provide financial and legal support from bodily injury and property damage, as well as to provide coverage for specialized trucking and cargo equipment.

Any business with trucks, vehicles, drivers, or a transportation-related activity needs insurance for commercial truck. These also include:

  • Commercial trucking businesses service;
  • Independent truck owner-operators / truck drivers.

Some important factors determine the cost of commercial insurance:

  • Type of the business;
  • Type of products or services you provide;
  • Annual revenue;
  • The location of your business;
  • Size of your premises;
  • Number of the employees;
  • Your prior claims history;
  • Your coverage limits and deductibles.

You can always get a personalized quote from our agent to know what to expect.

Commercial Insurance Agency in San Diego: Call H&M Independent Insurance Agency

If you are searching for ‘commercial insurance near me,’ then look no further. H&M Insurance Agency will provide the best commercial insurance San Diego can offer. General Commercial Liability insurance, Commercial auto insurance San Diego, commercial trucking insurance, restaurant insurance, plumbers insurance, and many other types of customized commercial policies are available at our insurance agency. We are the one-stop-shop for all your insurance needs!