Skip to content
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.

Get More Information Call (925) 744-6553

Same-day connection on business days • No obligation

Scroll down

Who We Work Best With

  • ✅ California carriers with 3–100 power units
  • ✅ Contractors with active payroll or employee base
  • ✅ Fleets with a clean safety record and compliance focus
  • ✅ Seeking program-level review (Workers Comp, Auto, Cargo)
  • ⚠️ Not a fit for single-vehicle or new ventures
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

We can help you get what you need to meet legal requirements and to protect you, your business and your customers. We offer a full range of options but these are most common.

Independent Contractors (1099)

Occupational Accident Insurance
  • Accident medical benefits for covered on-the-job injuries
  • Temporary disability income while you recover
  • Accidental death & dismemberment (AD&D) benefits
  • Optional contingent liability to satisfy client requirements
Based on class of work & selected limits

W-2 Employees

Workers Compensation Insurance
  • Covers medical expenses for workplace injuries
  • Provides wage replacement during recovery
  • Protects you from employee injury lawsuits
  • Required by CA law once you hire anyone
Based on payroll & job classification

Fleet Trucks & Vans

Commercial Auto Insurance
  • Liability coverage for accidents you cause
  • Physical damage (collision & comprehensive)
  • Covers employee drivers on company business
  • Protection for rented/leased vehicles
Per vehicle based on type & use

Trucking & Logistics

Transportation Package Insurance
  • Auto liability (with required filings when applicable)
  • Physical damage for tractors, trailers, and power units
  • Motor truck cargo for goods you haul
  • Non-trucking liability / trailer interchange as needed
Depends on radius, units, drivers & loss history Learn more about trucking insurance

Power Tools & Machinery

Inland Marine Insurance
  • Covers tools anywhere - job site, transit, storage
  • Protection from theft, damage, mysterious disappearance
  • Includes rented or borrowed equipment
  • Covers small tools to heavy machinery
Based on total equipment value

Office Buildings

Commercial Property Insurance
  • Fire, theft, vandalism protection
  • Natural disaster coverage (earthquake available)
  • Includes building improvements you have made
  • Loss of income if building is damaged
Based on building value & location

Inventory & Materials

Commercial Property Insurance
  • Covers supplies, materials, finished goods
  • Protection at your location or job sites
  • Includes customer property in your care
  • Seasonal increase coverage available
Based on average inventory value

Customer Lawsuits

General Liability Insurance
  • Bodily injury claims (slip & fall, etc.)
  • Property damage you cause to others
  • Legal defense costs included
  • Covers completed operations claims
From $795/year for small contractors

Government Contracts

Surety Bonds Insurance
  • Bid bonds to compete for projects
  • Performance bonds guarantee completion
  • Payment bonds protect subcontractors
  • License bonds for CSLB compliance
1-3% of bond amount typically

Data Breaches

Cyber Liability Insurance
  • Customer data breach response costs
  • Ransomware and extortion coverage
  • Business interruption from cyber attacks
  • Legal costs from privacy violations
Based on revenue & data exposure

One broker. Comprehensive protection. Fewer gaps.

Pricing shown is for illustrative purposes. Rates are subject to change and depend on insurance company underwriting, your ongoing business 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

Learn more

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

3

Gap & Savings Report

Same day

Plain English findings

Learn more

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, and contractor bonds.

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

Restaurant Insurance

Specialized protection for food service businesses. From food contamination to liquor liability coverage.

  • General Liability & Product Liability
  • Equipment & Food Contamination
  • 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.

Call Now