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Glacier Point Insurance - California Commercial Insurance Broker Glacier Point Insurance
California-Licensed • Independent Broker

California Business Insurance Broker

Independent broker with access to multiple carriers. We work for you, not the insurance companies. Specializing in commercial coverage for fleets with 3–100 vehicles and contractors with active employees.

Request a Consultation Call (925) 744-6553

Same-day connection on business days • No obligation

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Client Fit

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.

Our Partners

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

Coverage Options

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 class

Occupational Accident

For 1099 contractors. Medical benefits, disability income, and AD&D coverage.

Based on work class & limits

Commercial Property

Protects buildings, inventory, and equipment from fire, theft, and natural disasters.

Based on property value

Tools & Equipment

Covers tools anywhere - job site, transit, or storage. Includes rented equipment.

Based on equipment value

Commercial Auto

Liability and physical damage for company vehicles and employee drivers.

Per vehicle pricing

Trucking Package

Auto liability, physical damage, cargo, and DOT filings for fleets.

Learn more

General Liability

Covers bodily injury, property damage, and legal defense from customer claims.

From $795/year

Professional Liability

E&O coverage for professional advice, errors, and service failures.

Based on revenue & profession

Umbrella / Excess

Extra liability limits above your primary policies for catastrophic claims.

Per million of coverage

Surety Bonds

License bonds, bid bonds, and performance bonds for contractors.

1-3% of bond amount

Cyber Liability

Data breach response, ransomware coverage, and business interruption.

Based on data exposure

Employment Practices

EPLI coverage for wrongful termination, harassment, and discrimination claims.

Based on employee count

One broker. Comprehensive protection. Fewer gaps.

Pricing varies based on underwriting, operations, and claims history.

Get Coverage
Free Assessment

Already have a broker?

Get a quiet second look at your current coverage. We'll identify gaps and savings opportunities without disrupting your existing relationships.

Policy Review

Common Mistakes We Catch in Business Policies

We often find missing endorsements, duplicate coverage, and overpriced lines that add up and cost thousands in unnecessary premiums.

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.

Getting Started

Free Insurance Assessment

4 simple steps to uncover savings and gaps in your current coverage

1

Quick Discovery Call

15 min

Share renewal dates & concerns

Learn more

No sales pitch. We'll listen to understand your actual problems.

2

Deep Dive Analysis

24 hrs

We review everything quietly

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Policies, loss runs, and contracts examined without disturbing your broker.

3

Gap & Savings Report

Same day

Plain English findings

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PDF showing exactly where you're overpaying and what you're missing.

4

You Decide

No pressure

Your choice on next steps

Learn more

Keep your broker or switch to us at any time.

Start My Assessment

No obligation • Zero spam

Specializations

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

Comprehensive coverage for construction professionals.

  • General Liability & Workers' Comp
  • Tools & Equipment Coverage
  • CSLB License Bonds

Trucking Insurance

Complete coverage for small fleets with 1-100 power units.

  • Auto Liability & Physical Damage
  • Motor Truck Cargo
  • DOT Filings & Compliance

Restaurant Insurance

Specialized protection for food service businesses.

  • General & Product Liability
  • Equipment & Spoilage
  • Liquor Liability Coverage

Don't see your industry? We cover 50+ business types.

Get Industry-Specific Quote
Ready to Start

Protect Your Business

Talk to a licensed advisor or start your free assessment right now.

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