Professional & Service-Based Business Insurance

Coverage for the People Who Keep Things Running

From independent contractors to full-scale service firms, professional businesses carry real responsibility—and real risk. Whether you’re managing a retail storefront in the Bay Area or running a consulting business across the country, we provide flexible insurance solutions designed to keep your business protected, compliant, and confident.



We’re based in San Francisco, but we proudly serve service-based businesses across the U.S.—offering straightforward advice, smart coverage options, and reliable support, wherever you are.

Two women are sitting at a table looking at a laptop computer.

What We Cover

  • Accounting & Bookkeeper Insurance: Protect your practice against client disputes, data issues, or errors in financial reporting.


  • Handyman Insurance: General liability, tools & equipment protection for solo or small-team repair businesses.


  • Hospitality Insurance: Flexible policies for hotels, inns, and lodging businesses—covering property, liability & guest-related risks.


  • Janitorial Insurance: Tailored for cleaning businesses, covering on-site liability, equipment, and employee-related exposures.


  • Medical Office Insurance: Protection for healthcare practices, including malpractice, equipment, and business interruption.


  • Plumbers Insurance: Includes liability, inland marine (tools), commercial auto & workers comp for plumbing professionals.


  • Retail Store Insurance: Full-service coverage for inventory, customer liability, employee claims & business property.
Why It Matters

You Take Care of Clients—We Take Care of You

Service-based businesses are built on trust, reputation, and day-to-day reliability. That’s why our insurance solutions go beyond the basics. We help you think through your specific risks—client interactions, mobile services, property exposure, and regulatory compliance—and build a plan that fits your model, not a pre-set mold.



With access to top carriers and a deep understanding of professional risk, we make it easy to protect your business whether you’re operating in San Francisco or expanding nationwide.

FAQ

  • What types of professional service businesses do you insure?

    We work with a wide range of service-based businesses—from medical offices and accounting firms to janitorial companies and retail stores. Whether you're a solo practitioner or manage a multi-location business, we can help.

  • Do I need professional liability insurance?

    If your business provides services, advice, or expert guidance, professional liability insurance (also called errors & omissions) can protect you from claims of negligence—even if no mistake was made.

  • Can I get coverage if my business is outside California?

    Yes. While we’re based in San Francisco, we offer service-based business insurance across the U.S. We work with clients nationwide and provide custom coverage options that fit your specific needs and location.

  • What’s included in janitorial or handyman insurance?

    These policies typically include general liability (to cover client property damage or injuries), tools & equipment coverage, and optional commercial auto or workers comp depending on your setup.

  • Do I need a separate policy for my business property?

    If you own or lease office, storefront, or service space, you’ll likely need commercial property insurance. It can be bundled with liability coverage through a Business Owners Policy (BOP) for added convenience.

  • How do I know what coverage is right for my business?

    That’s what we’re here for. We’ll help you understand your risks, compare your options, and build a plan that fits—without selling you coverage you don’t need.

Get In Touch Today

Let’s Get You Covered with Confidence

Ready to protect your business the right way? Whether you’re in the Bay Area or beyond, we’re here to help you find smart, dependable coverage.