Core Business Protection

The Essentials Every Business Needs

Every business needs a foundation. That includes insurance that covers what keeps you running—your building, your income, and your ability to bounce back when things don’t go as planned.



Based in San Francisco and serving businesses across the U.S., we help owners secure the core coverage they need to stay protected, operational, and confident—no matter the size or stage of their business.

A woman is sitting at a counter in a restaurant looking at a clipboard.

What We Cover

  • Business Owners Insurance (BOP): A convenient, bundled policy that includes general liability and commercial property insurance—ideal for small to midsize businesses.


  • Commercial Insurance (Standalone or Custom): Comprehensive plans tailored to your business’s size, industry, and risk profile. We help build a flexible foundation that scales with you.


  • Business Income Insurance: Also known as business interruption insurance—it covers lost income and operating expenses if your business is forced to temporarily close due to a covered event.


  • Business Interruption Insurance: Specifically protects your revenue stream when your operations are paused by a disaster, property damage, or similar interruption.


  • Workers Compensation Insurance: Required in most states—including California—for businesses with employees. Covers medical expenses, lost wages & liability for workplace injuries.



  • Key Man/Woman Life Insurance: A strategic life insurance policy that provides financial protection if a critical employee, founder, or executive passes away—helping the business recover and continue operations.
Why It Matters

Because the Basics Aren’t Basic

Many claims come down to the essentials: a damaged building, a forced closure, or a liability claim that wasn’t expected. Without core protection, your business is vulnerable to disruptions that could quickly become unsustainable.



We work with businesses across industries to set up solid insurance foundations—no fluff, just coverage that makes sense for your operations, assets, and goals.

FAQ

  • What is a Business Owners Policy (BOP)?

    A BOP is a bundled insurance package that includes general liability and commercial property insurance. It’s designed to give small businesses convenient, comprehensive protection at a lower cost.

  • What does business income insurance cover?

    It covers lost income and fixed operating costs when your business is forced to temporarily shut down due to a covered event—such as fire, storm damage, or vandalism.

  • Is business interruption the same as income protection?

    They’re closely related. Business interruption insurance typically refers to income protection tied to property damage or disaster-related disruptions.

  • Can I customize my core business insurance plan?

    Absolutely. Whether you want to start with a BOP or build a more complex commercial plan, we’ll help tailor coverage that fits your specific risks and operational setup.

  • Is this coverage required to run a business?

    It depends on your industry and location, but general liability and property coverage are often required by landlords, lenders, or contracts—and always smart to have.

Get In Touch Today

Build Your Business on Solid Ground

Whether you're starting out or scaling up, we’ll help you put the right core protections in place—so you can focus on moving your business forward.