Business Insurance.San Jose & Silicon Valley.

What we write for San Jose small businesses.

San Jose small businesses get the broadest range of commercial coverage from our office at 25 N. 14th St. on the city's East Side — general liability, commercial auto, business owners packages, workers' compensation, and industry-specific policies for the tech, contractor, retail, and service businesses that fill Santa Clara County. As an independent broker rather than a captive agent tied to one company, we compare across carriers to find coverage that actually fits how your San Jose operation runs, not a one-size template.

Silicon Valley is not a generic commercial market. A two-person startup in a co-working space, a general contractor bidding job sites across San Jose, Santa Clara, and Milpitas, and a family-run restaurant near downtown each carry very different exposures — high-value equipment and intellectual property for the tech firm, tools and job-site liability for the contractor, foot traffic and property risk for the restaurant. We write all three from the same East Side office, and we ask what your business actually does before we quote it.

Built for the way Silicon Valley businesses actually operate.

The commercial risk picture in San Jose is shaped by what the South Bay economy is made of: technology and startups, the contractors and trades who build and service them, and a dense layer of retail, restaurant, and personal-service businesses that keep neighborhoods like the East Side, downtown, and Japantown running. We write coverage for that full range, and the right policy looks different for each one.

For tech and early-stage companies, general liability is rarely the whole story — client contracts, leased equipment, and professional exposure all matter, and we help identify the right combination for your stage rather than overselling a startup or under-insuring a growing firm. For contractors working across Santa Clara, Sunnyvale, Campbell, and Milpitas, job-site liability and tools-and-equipment coverage are the day-to-day needs, and certificates of insurance often have to be issued fast to win the next bid. For restaurants and retail, commercial leases in Santa Clara County almost always require general liability before you get the keys, and property coverage protects the build-out and inventory you have invested in.

Commercial auto is its own consideration in a region this spread out. A delivery van, a contractor's truck, or a fleet running between San Jose and the rest of the South Bay needs business-use coverage that a personal auto policy will not honor in a claim. We sort out whether your vehicles need a commercial policy, hired-and-non-owned coverage, or both — based on how and where they are actually driven.

A local office you can walk into on the East Side.

Our San Jose office is at 25 N. 14th St., Suite 125, on the city's East Side — a part of San Jose with a large, long-established Latino community, which is why our agents work bilingually in English and Spanish. You can walk in, call, or start online, and unlike a remote call center we are a physical office serving Santa Clara County businesses.

We are open Monday through Friday, 10am to 6pm, and Saturday from 10am to 3pm — the Saturday hours matter for owner-operators and tradespeople who cannot step away from a job site during the week. From the East Side we serve businesses throughout San Jose and the neighboring municipalities of Santa Clara, Milpitas, Sunnyvale, and Campbell. There are no broker fees on standard policies, and we accept ITIN numbers and do not ask about immigration status — every California business owner has the right to be insured.