Business insurance for Placer & Sacramento County Built around how you actually operate
Contractors, trucking and fleets, nonprofits, professional offices, and Main Street businesses across Placer and Sacramento County — with coverage that holds up when a customer, landlord, or general contractor reads your certificate.
Commercial quoting starts with a short conversation — payroll, vehicles, operations, and the contract requirements you have to meet.
- Independent AgencyWe work for you, not one insurance company.
- Personal ServiceReal people who know your name.
- Coverage OptionsMany A-rated markets, shopped for your needs.
- Local Since 2003Serving Rocklin, Placer County and beyond.
Commercial lines
What we place
General liability
Third-party bodily injury and property damage, products and completed operations, plus the additional insured, waiver of subrogation, and primary & non-contributory wording your contracts demand.
Business owners policy
Liability packaged with building, contents, and business income for offices, shops, and light commercial operations.
Commercial auto & fleet
Owned, hired, and non-owned autos, trucks and trailers, cargo, and driver-schedule management as your fleet grows.
Workers’ compensation
California work comp with class-code and payroll review at renewal — the two things that quietly cost employers the most money.
Bonds
Contract, license, and permit bonds coordinated with your liability program so nothing stalls a bid or a license renewal.
Professional & specialty
Errors & omissions, excess and umbrella layers, and other specialty placements when a contract or regulator requires them.
Two ways to start
Start where you actually are
You already carry commercial insurance
Use our secure intake link. It pulls your current policy details straight from your carrier so we can quote apples to apples — and it’s also how we order your loss runs without you chasing your old agent for them.
Share your coverage & loss runs
Secure, takes about five minutes, and nothing changes on your current policy.
You’ve never carried it before
Brand-new business, first employee, or a contract that suddenly requires coverage? There’s nothing to pull yet, so we start with a short conversation instead.
Takes you to a short form — it goes straight to Chris and Jessica. Prefer to talk now? Call (916) 436-8045 or text us.
Service that gets you paid
Certificates of insurance, handled
Most commercial headaches aren’t about price — they’re about paperwork that has to be right today so you can get on the job site or get paid. Send us the certificate holder’s name, address, and the exact wording their contract requires, and we’ll issue it — usually the same business day during office hours.
- Additional insured and waiver of subrogation endorsements reviewed against your contract
- Renewal certificates reissued so holders never receive a lapse notice
- Auto ID cards, loss runs, and experience mods pulled when a bid needs them
Your commercial team
Chris, Jessica and Alejandro handle your account
Chris Markle
Commercial department manager
Marketing your submission, reviewing contract and certificate requirements, and managing renewals.
Jessica Shaffer
Senior commercial specialist
Certificates of insurance, auto ID cards, endorsements, and billing — usually same business day.
Alejandro Calderon
Commercial team
Works with Chris and Jessica on business and commercial accounts.
How it works
A commercial review, start to finish
Fifteen-minute call
Operations, payroll, vehicles, subcontractors, and the contract requirements you have to satisfy.
We market it
We take your submission to markets that want your class of business instead of forcing it into one appetite.
Side-by-side review
You see coverage differences, not just premiums — exclusions, deductibles, and the endorsements your customers require.
Own a home or car too? We can quote your personal lines at the same time — start here.