California Business Insurance Broker
Independent broker for California contractors, fleets, and restaurants. Multiple carriers, real claims advocacy, no carrier bias.
Same-day connection on business days • No obligation
Is Glacier Point Right for You?
We focus on businesses that benefit most from a consultative approach to risk management—not everyone is the right fit, and that's okay.
Good Fit
- 5+ employees or $500K+ annual revenue
- Values relationship over lowest price
- Wants proactive risk management
- Needs claims support and advocacy
May Not Be a Fit
- Solo operators seeking minimum coverage
- Price-only shoppers looking for the cheapest option
- One-time certificate needs without ongoing relationship
No judgment—we can recommend other resources if we're not the right match.
Choose from 120+ Top-Rated Carriers
We are members of multiple networks that gives us access to over 120 insurers. We partner exclusively with carriers to ensure your claims are paid promptly and your coverage is secure.
Independent broker advantage • No carrier bias
Insurance Coverage Available
Protect what matters most. Select a category to explore coverage options.
Workers Compensation
Required by CA law. Covers medical expenses and wage replacement for injured employees.
Based on payroll & job classOccupational Accident
For 1099 contractors. Medical benefits, disability income, and AD&D coverage.
Based on work class & limitsOne broker. Comprehensive protection. Fewer gaps.
Pricing varies based on underwriting, operations, and claims history.
Request a QuoteAlready have a broker? Get a quiet second look.
We review your current policies for missing endorsements, duplicate coverage, and overpriced lines — without disrupting your existing relationships.
Common mistakes we catch
Six issues that quietly cost businesses thousands every year.
Overpaying for Unused Limits
Excess or umbrella coverage far beyond your actual risk.
Duplicate Coverage
Overlapping policies that quietly waste premium dollars.
Missing Endorsements
Gaps in employment practices liability, cyber, or ordinance & law endorsements.
Incorrect Classification
Improper employee categories raising rates unfairly.
Subpar Carrier Strength
Policies backed by financially weak or unrated carriers.
No Claims Strategy
No plan for negotiating or tracking claims to protect your business.
Free Insurance Assessment
4 simple steps to uncover savings and gaps in your current coverage
Quick Discovery Call
15 minShare renewal dates & concerns
Learn more
No sales pitch. We'll listen to understand your actual problems.
Quick Discovery Call
15 minShare renewal dates & concerns
No sales pitch. We'll listen to understand your actual problems.
Deep Dive Analysis
24 hrsWe review everything quietly
Learn more
Policies, loss runs, and contracts examined without disturbing your broker.
Deep Dive Analysis
24 hrsWe review everything quietly
Policies, loss runs, and contracts examined without disturbing your broker.
Gap & Savings Report
Same dayPlain English findings
Learn more
PDF showing exactly where you're overpaying and what you're missing.
Gap & Savings Report
Same dayPlain English findings
PDF showing exactly where you're overpaying and what you're missing.
You Decide
No pressureYour choice on next steps
Learn more
Keep your broker or switch to us at any time.
You Decide
No pressureYour choice on next steps
Keep your broker or switch to us at any time.
No obligation • Zero spam
Commercial Insurance by Industry
Industry-specific coverage designed for the unique risks your business faces. From contractors to restaurants, we understand what you need.
Contractor Insurance
GL, workers' comp, and CSLB-compliant bonds for California trades.
- General Liability & Workers' Comp
- Tools & Equipment Coverage
- CSLB License Bonds
Trucking Insurance
Auto liability, cargo, and DOT filings for fleets of 1–100 power units.
- Auto Liability & Physical Damage
- Motor Truck Cargo
- DOT Filings & Compliance
Restaurant Insurance
BOP, liquor liability, and equipment coverage for CA food service.
- General & Product Liability
- Equipment & Spoilage
- Liquor Liability Coverage
Don't see your industry? We cover 50+ business types.
Request a Quote for My IndustryProtect Your Business
Talk to a licensed broker or get a quote right now.