An advisor first. A broker second.
Glacier Point is a boutique specialty practice, deliberately not a volume shop. We advise restaurants, contractors, and trucking fleets on how coverage should be structured, then place it: CSLB compliance, franchise insurance requirements, DOT filings, and the endorsement detail most quotes gloss over.
Response within one business day. No obligation · CA License #6008364
Underwriting is a negotiation. We treat it like one.
Carriers give underwriters real discretion on your premium. Where it lands depends on how your risk is presented, so presentation is most of the job.
The submission, built properly
Photos, safety program, operational story, verified class codes. A pizza shop shouldn't be priced as casual dining. Classification is checked before a carrier ever builds your quote.
The market, actually tested
Admitted carriers and surplus-lines markets quoted side by side, including the hard-to-place risks other brokers decline. No renewing on autopilot with the incumbent.
The quote, line by line
Every proposal broken out by coverage: building, BPP, liability, each endorsement. We walk through it with you. You'll know what you're buying and what you're not.
Industry focus matters at renewal.
We limit the practice to industries where carrier appetite, class codes, exclusions, and underwriting questions change the outcome of a submission.
Restaurants & bars
BOPs, liquor liability up to 75% alcohol share, franchise insurance requirements, new ventures, delivery operations, including accounts other brokers decline.
Explore →Contractors
General liability and workers' comp for CSLB-licensed trades, from general building to roofing, with E&S markets for the hard classes.
Explore →Trucking
Auto liability, physical damage, motor truck cargo, and DOT filings for fleets of 3–75 power units.
Explore →Your broker should read the policy you have.
A waterfront restaurant and bar with a heavy alcohol share. Not an easy risk to shop. For years the incumbent broker requoted the same carrier and called it a renewal: no competing submission, no alternative structure, no questions asked.
The fix wasn't a discount. It was structural: consolidating a fragmented two-carrier program into one policy, and adding the $1M umbrella a waterfront bar should have had all along.
A prior result, not a prediction. Premiums depend on underwriting, operations, loss history, and market conditions.
A fragmented program
Liability and liquor with one carrier, property with another. Two renewal dates, two sets of exclusions to reconcile, and no umbrella at all.
One consolidated BOP + a new $1M umbrella
Property, general liability, and liquor under one policy, with broader property coverage (tenant's improvements, equipment breakdown, spoilage) and an excess layer that wasn't there before.
When our process is the right fit.
A hands-on broker earns their keep on accounts with moving parts, and we'd rather say up front where that's true and where it isn't.
Where we do our best work
- 5+ employees or $500K+ annual revenue
- Values the relationship over the lowest price
- Wants proactive risk management, not just a policy
- Needs claims support and underwriter advocacy
Probably not a fit
- Solo operators seeking minimum coverage
- Price-only shoppers looking for the cheapest option
- One-time certificate needs without an ongoing relationship
No judgment. We'll point you to better resources if we're not the right match.
Some of the markets we place with. We place exclusively with carriers rated A− or better by AM Best.
Talk directly with the broker who handles your account.
No service-center hand-off. Your account is handled by the licensed broker who placed it. And once you're a client, certificates of insurance turn around same day or next business day.
Helpful to have on hand: current policies, loss runs, and payroll or revenue figures.