Helping small business owners find the right insurance at the right price
We know that you stay busy managing your business operations every single day. We also know that you already handle more tasks than you can count. The good news is that you don't have to become an expert at business insurance because we are here to help. We assist by evaluating your business operations in order to determine the appropriate insurance coverages and present you with options.
We are a California-licensed independent insurance broker with access to dozens of top-rated insurance carriers. We can provide options for all of your business insurance needs and risk exposures. Our proposals help you to understand the insurance policy that you are purchasing. Our goal is to be your business partner.
Cigarroa Insurance Services specializes in working with start-up and small businesses for a variety of industries including Retail, Restaurants, Services, Technology, and Nonprofits. We work best with businesses that employ anywhere from 1 to 50 employees. Our target clients are located in Southern California- from LA to San Diego, from Ventura to Riverside, and everywhere in between.
Cigarroa Insurance Services does not charge you any fees for the work we do for you- the compensation for our services comes solely from the commissions we receive from the insurance carriers. As an independent insurance broker, we work for you. Get in touch with us so that we can start working together on your risk exposures. You can use the contact form at the bottom of this page , or call us or email us directly.
Areas of Practice
General Liability is an essential insurance policy every business needs to consider. It protects you and your business from a variety of liability claims brought by customers and vendors. The insurance provides protection for liability resulting from bodily injury, property damage, personal and advertising injury caused by your business.
Professional Liability and Errors & Omissions insurance is designed to protect you and your business from allegations of negligence or errors and omissions in providing a service for a fee. If your business provides any services, whether or not it requires a license, you may need to explore the coverage offered by Professional Liability or E&O Insurance.
In California, Workers’ Compensation insurance is mandatory for any business with at least one (1) employee. It does not matter if the employee is only part-time or if they are classified as independent contractors for other purposes. It’s important to discuss the coverage as the penalty can be severe for a business that’s required to have it but doesn’t.
employment practices liability
If you have employees, consider the peace of mind that comes with purchasing an Employment Practices Liability policy. The insurance provides coverage for claims brought by prospective, current, and former employees alleging discrimination, harassment, and wrongful termination, among many others.
A Businessowners Policy, or BOP, is a cost-effective way to combine General Liability, Property Coverage, and Business Income Insurance into one policy. It is designed for small to mid-size businesses in a variety of industry classes. It helps to work with an independent broker that can help you find the right program for your business.
A Management Liability insurance policy protects the company’s directors and officers from allegations of mismanagement and other related wrongful acts. It helps to protect personal assets and defends against lawsuits that may have no merit. Lawsuits against directors and officers can come from a variety of sources, including shareholders.
There is probably no topic more in the news these days than cyber. Cyber is a growing risk to any business that has a digital presence, handles customer information or transacts business electronically. Cyber has both first-party and third-party risk exposures and both should be covered under a comprehensive insurance program.
Not-for-profits work to help others, but are exposed to liability arising out of their operations. If your not-for-profit has a Board of Directors, it helps to protect their personal assets from mismanagement allegations. It also offers coverage for Employment Practices Liability claims, including those brought by or against volunteers.
Crime Insurance offers protection from both internal and external dangers. The insurance can cover theft of company property and money by employees, such as embezzlement. It can also cover theft by third-parties including burglary and robbery. It may even include coverage for Social Engineering scams, where employees are fooled to wire money.
Please use the form below to contact us regarding your insurance needs, questions, or concerns. You may also email or call us directly.