California Non-Residential Property Insurance

Owning a commercial building in California comes with its fair share of excitement—and a whole lot of risk. Whether you’ve got a bustling retail space, an office building with a view, or a warehouse full of hard work, protecting it shouldn’t feel like pulling teeth. I’ll help you get coverage that fits your property, your needs, and your peace of mind.

Insurance That Means Business

Coverage for Every Property

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Not all buildings fit neatly into a box, and neither should your insurance. Whether you own an office, a strip mall, or something a little off the beaten path, you deserve coverage that actually works for your space.

  • Coverage for offices, retail, and industrial spaces
  • Flexible options for unique building types
  • Policies built to fit your property—not someone else’s

No-Nonsense Policies, No Fine Print

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You shouldn’t need a law degree to understand your insurance policy. I’ll make sure you know what’s covered, what’s not, and how to avoid unpleasant surprises when you need to file a claim.

  • Clear, easy-to-understand policies
  • Straight answers to all your questions
  • No tricky exclusions hiding in the fine print

Hard-to-Insure?

Let’s Talk

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If your building’s been turned down, canceled, or just given the cold shoulder by other insurers, you’re not out of options. I work with specialty carriers who aren’t afraid to cover properties with a little history or extra personality.

  • Options for properties with prior claims
  • Flexible solutions for older or unique buildings
  • Surplus lines for properties turned down by standard carriers

Frequently Asked Questions

  • What types of non-residential properties can you insure in California?

    Offices, retail shops, warehouses, and industrial buildings—pretty much anything with a roof and a business inside. Whether your property’s in the heart of LA or tucked into a smaller California town, I’ll help you find coverage that actually fits.

  • Can you help if other insurers turned down my building?

    Absolutely. A lot of insurers in California are getting pickier—especially with older buildings or properties in wildfire zones. If your property’s been dropped, denied, or just given the cold shoulder, I can still find options, including surplus lines coverage designed for buildings other agencies avoid.

  • What risks does non-residential property insurance cover in California?

    It typically covers property damage, liability claims, lost rental income, and more. But in California, we also have to think about earthquakes, wildfires, and rising repair costs. I’ll help you make sure your policy actually covers what your property needs, not just the basics.


  • Can I get insurance if part of my building is vacant?

    Yes. Vacant space can make some insurers jittery—especially in California where risk is high—but it’s not a dealbreaker. Whether you’ve got a few empty offices or you’re waiting for a new tenant, there are still options—and I’ll help you find them.

  • Can you cover buildings with both residential and commercial spaces in California?

    Sure can. Mixed-use properties are everywhere in California, from apartments over retail in LA to office-residential combos across the state. I’ll make sure you’ve got the right protection for both sides—without leaving gaps where problems could sneak in.

Let’s Talk—Before the Next Rate Hike Hits

The California insurance market is changing faster than a freeway lane at rush hour. Get in touch today, and let’s make sure your building is covered before things get even pricier.

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Talk to Eric