Commercial Property Insurance Carriers for Independent Agents in California

Alchemy Insurance Solutions offers a fifty-state program for builder's risk with rates engineered to beat the competition. Alchemy Insurance Solutions offers policies as both a single shot, and on a reporting form. Alchemy's flexible underwriting allows us to entertain risks up to and above $5m. In Florida & Texas Alchemy offers competitive rates with wind for CAT affected, and Coastal risks, as well as high value homes.

Blitz is a technology-driven insurance company revolutionizing the $100B E&S market with a fast, simple underwriting platform for small commercial property & casualty risks. Agents can quote in 5 minutes and bind in 10, with 80% of risks requiring no underwriter review. Covering industries like retail, contractors, and special events, Blitz offers a streamlined, no-accords process, dynamic applications, bundled products, and a centralized communications platform.

CrossCover is a Managing General Underwriter (MGU) specializing in commercial property insurance within the Excess & Surplus (E&S) market. They provide full‑limits E&S property coverage for middle‑market clients through a panel of highly rated “A” carriers, emphasizing underwriting expertise over distribution volume.

Green Shield Risk Solutions is an MGA providing innovative high value homeowners insurance for wildfire-exposed regions, featuring Guardian Elite Home — a premium program for affluent clients with advanced wildfire analytics and comprehensive coverage.

Insur-Fi is your Boutique Wholesale Broker offering markets for Habitational, Hotel, Motel, Restaurant, Bar, Tavern, Artisan Contractors, Lessor Risk, Real Estate GL, Distribution, Warehouse, Manufacturing, Large WC and so much more.

Integrated Specialty Coverages (ISC) is a tech-driven program administrator specializing in commercial insurance. Backed by private equity firm KKR, ISC partners exclusively with A-rated carriers and offers a proprietary platform for seamless quoting and binding. With a focus on high-quality service, competitive commissions, and innovative product delivery, ISC helps agencies expand their footprint in the commercial market.

NEXT uses groundbreaking AI-based technology that allows agents to sell more commercial policies, faster. They offer instant quote and binds and immediate access to certificates of insurance.

Palomar provides a range of catastrophe insurance for personal and commercial property. They develop customized coverage options for client specifications.

Pathpoint is a digital Wholesaler that gives you access to AM Best A-rated E&S carriers such as Markel, Westchester, Nautilus, and Crum & Forster. Most popular classes include contractors, lessors risk, short term rentals, vacant land/buildings, restaurants/bars/taverns and more

RLI Contrac Pac provides admitted general liability, business personal property, and inland marine coverage for small to medium-sized artisans and general contractors specializing in residential and light commercial projects. We provide a streamlined quoting process with an intuitive agent portal and contractor-specific applications. Our online solutions make working with RLI easy so you can focus on quickly getting your customers the coverage they need. AM Best A+ Superior rating

SES Risk Solutions is a leading, tech-enabled insurance provider for residential investment properties. Program Appetite: Residential long term rental properties only. Including SFR 1-4 single location and portfolio, MFR 5+ unit and Property Manager portfolios.

Tokio Marine HCC, rated A++ (XV) by A.M. Best, is a top specialty insurer known for strength and innovation. Its ArtisanEdge platform simplifies contractors insurance with fast, automated quoting, instant policy issuance, customizable coverage, and preferred rates for qualified risks. With admitted paper and one-click renewals, ArtisanEdge makes writing contractor policies easier than ever.

Vacant Express specializes in coverage for residential and commercial properties that are vacant, currently in renovation or new construction.