Specialty Programs & Obligations

Coverage for Requirements, Contracts & One-of-a-Kind Needs

Some businesses need more than the basics. Whether you’re bound by industry regulations, contract terms, or unique exposures, we help you meet those obligations with the right coverage in place—fast, clear, and fully compliant.



We're based in San Francisco but work with clients nationwide, helping everyone from local contractors to nationwide rental hosts secure the coverage their business or project requires.

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What We Cover

  • Airbnb & Short-Term Rental Insurance: Protection for property owners renting through Airbnb, Vrbo, and other platforms—including liability & guest damage.


  • Construction Insurance: Tailored to contractors & developers—includes course of construction, liability, and jobsite risks.


  • Contractors Insurance: Designed for general contractors, subcontractors & trade professionals; includes liability, tools, workers comp & more.



  • Surety Bonds: Meet licensing, contract, or legal requirements with fast, affordable bonding solutions for your business.


  • Flood Insurance: Essential for businesses located in flood-prone zones or coastal regions. Covers structural and content losses due to rising water from storms or drainage issues—often excluded from standard property policies.


  • Earthquake Insurance: Critical for businesses in seismically active regions like California. Protects against structural damage, business interruption, and rebuilding costs due to earthquake activity.
Why It Matters

Requirements Don’t Have to Be Complicated

Whether it’s state law, client demand, or industry regulation—sometimes insurance isn’t optional. But that doesn’t mean it has to be confusing.



We help business owners across industries quickly meet obligations and secure specialty coverage that checks all the boxes. No jargon, no upselling—just smart guidance and the right protection, delivered when you need it.

FAQ

  • Do I need special insurance to rent out my home on Airbnb?

    Yes. Standard homeowners insurance typically won’t cover short-term rental activity. We offer Airbnb-specific policies that cover guest damage, liability, and business-related risks.

  • What’s the difference between contractors insurance & construction insurance?

    Contractors insurance is designed for individual trades or general contractors. Construction insurance covers broader development projects and includes builders risk, course of construction, and related jobsite exposures.

  • Are surety bonds the same as insurance?

    No. A surety bond is a financial guarantee—usually required by licensing boards or contract terms—that ensures you'll meet your professional or legal obligations.

  • Who needs workers compensation insurance?

    In most states, including California, any business with employees must carry workers comp. It protects both your team and your company if a workplace injury occurs.

  • Can I get short-term coverage for a specific job or contract?

    Yes. We can help you secure temporary or project-based coverage—ideal for one-off construction jobs, event vendors, or time-limited service agreements.

Get In Touch Today

Get Covered. Get Compliant. Get Back to Business.

Whether you're navigating legal requirements or taking on a new project, we’ll help you get the right coverage—quickly and clearly.