Business Insurance (Monterey Bay, CA)

Ideal Accounts and Appetite

This program is designed for a broad range of small to mid-sized businesses across various industries in the Monterey Bay area. We regularly work with:

• Retail shops and boutiques
• Contractors and tradespeople
• Restaurants and catering services
• Professional offices (law firms, accountants, etc.)
• Transportation and delivery businesses
• Personal services (salons, dry cleaners, etc.)

If you have commercial clients with physical assets, employees, or vehicles—or who interact with the public or customers—this program can help cover their core exposures.

Coverage Highlights and Advantages

We offer a range of base and optional coverages to match each business’s unique risks. Standard coverage options include:

• Property Insurance – Helps repair or replace buildings, equipment, and inventory damaged by fire, storms, vandalism, and other perils.
• Liability Insurance – Protects against third-party claims of bodily injury or property damage caused by your client’s operations, products, or services.
• Workers' Compensation – Covers employee medical expenses and lost wages due to work-related injuries or illnesses while reducing employer liability.
• Business Auto Insurance – Covers business-owned or used vehicles, including liability and physical damage coverage for commercial fleets or individual autos.
• Business Crime Insurance – Offers protection against employee theft, burglary, forgery, and similar threats.

Additional, customizable options include:

• Employment Practices Liability – Helps defend against claims of harassment, wrongful termination, or discrimination.
• Life Insurance for Business Owners – Supports succession planning and the long-term stability of the business.
• Umbrella Insurance – Adds extra liability protection above primary policies.
• Bailee Insurance – Covers damage to customers' property (ideal for dry cleaners, jewelers, etc.).
• Transportation and Cargo – Protects goods in transit, whether by company vehicles or third-party carriers.
• Spoilage Insurance – Covers perishable items lost due to power outages or equipment failures.
• Delivery/Catering Non-Owned Auto – Covers employees using personal vehicles for business purposes like food delivery or catering.

Underwriting Notes

This is a non-admitted program, providing flexibility in underwriting and customization. Submissions are evaluated based on risk profile, industry class, and operational details. While we can accommodate a wide range of businesses, we are best suited for clean to moderately complex risks. We recommend reviewing expiring policies with your clients to identify gaps or new exposures we can help address.

Territories and Availability

This program is available exclusively in California, with a special focus on businesses located in Monterey Bay and Watsonville and surrounding areas.

Why Work With Scurich Insurance Services?

With decades of experience serving California’s Central Coast, Scurich Insurance Services offers personal, hands-on service and a local perspective that national providers can’t match. We understand the regional risks, industry nuances, and unique needs of Monterey Bay businesses. Our team is here to help you tailor coverage and make placement easy, whether you’re insuring a startup or reviewing coverage for a long-established business.

Already have your client covered? Great! But business needs change. Let us help you review current policies and ensure your clients stay properly protected—with the benefit of local expertise and real people ready to talk.