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Commercial insurance protects your business since you cannot predict future events. Having the right type of insurance is equally important for large and small companies. It should be part of your business plan. With the proper commercial insurance policy, 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 insurance agency from San Diego, you will have the best coverage at the lowest premiums. Let’s discuss your needs.


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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.

Options for Commercial Auto Insurance

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.

Award-winning Commercial Insurance Agents in San Diego

H&M Insurance agency offers 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 insurance from various 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 to your specific needs;
  • We are partners with the most renowned insurance providers;
  • Family-owned company;
  • We are specialized in San Diego and California markets;
  • Flexible payment options.

Insurance Requirements in 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.

Frequently Asked Questions

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 in San Diego: Call H&M Agency and Protect your Business

General commercial liability insurance, commercial auto insurance, commercial trucking insurance, restaurant insurance, plumbers insurance, and many other customized commercial policies are available at our insurance agency. We are the one-stop shop for all your insurance needs!