Commercial Property
Buildings, contents, and business interruption for owners and tenants. Limits reviewed against what the structure actually costs to rebuild, not what it last appraised at.
Family-owned · Woodland Hills · 30+ years
Your Risk.
Our Reality.
Commercial property, apartment buildings, contractors and fleets — plus the personal policies that sit alongside them. Start here and we'll tell you where you stand.
- No login, no spam, no obligation
- Takes about 60 seconds
- A straight answer, not a sales pitch
Rate Check
Step 1 of 8
We shop your risk across appointed carriers
- 30+ years writing coverage
- 18 carriers shopped
- 28 restaurant locations, one client
- Lic. #4463471 California licensed
The part nobody explains
Myth vs Reality
"My GC's policy covers me."
It covers them. Your work, your tools, and your liability are yours — and most general contractors won't let you on site until you produce your own certificate naming them as additional insured.
"My building is insured for what I paid for it."
Property policies pay to rebuild, not to repurchase. Construction costs and code-upgrade requirements move independently of what a building is worth on the market, and a building insured at market value is very often underinsured at claim time.
"Workers' comp is a fixed cost. Nothing to manage."
It's rated on classification codes and your experience modifier. Miscoded payroll is one of the most common ways businesses overpay, and it compounds every year nobody checks it.
"I have the certificate, so I'm covered."
A certificate is a snapshot for whoever asked for it. It confers no coverage on its own. The policy form and its endorsements decide what is actually covered — which is why the additional-insured wording matters more than the certificate does.
"If the building burns, the policy covers my lost rent."
Only if loss of rents is scheduled on the policy. Without it the building gets rebuilt and the months of missing income are yours to absorb — on a mortgage that doesn't pause.
"Builders risk can wait until we break ground."
Cover needs to be in force before materials land on site. Theft and vandalism at unsecured sites are among the most common construction claims, and plenty of them happen before a foundation is poured.
"My homeowners policy covers earthquake damage."
It does not. Standard homeowners policies exclude earthquake, and in California that is not a small gap — it needs its own policy or endorsement. Most people find out the week after they needed it.
"I'm young, I don't need life insurance."
Young and healthy is exactly when it's cheapest. Rates are set at the age you buy and lock in from there — the younger you are, the lower your rate and the stronger your protection.
What we write
Protect what you built
Coverage that keeps you open for business — general liability, commercial auto, workers' comp, property and equipment. For building owners, contractors, franchisees and operators across the Valley.
Apartment Buildings
Multi-unit dwelling cover for landlords and owners: the structure, loss of rents, and premises liability across the whole schedule.
Business Insurance
General liability and business owner's policies for small operations and established firms. Property, liability, and income protection in one place.
Contractors
General and artisan contractor liability, tools and equipment, and the additional-insured endorsements your GC will ask for before you set foot on site.
Builders Risk
Course-of-construction cover for ground-up builds, renovations, and conversions — written for the length of the job and the value at completion.
Commercial Auto
Single vehicles through full fleets. Liability, physical damage, hired and non-owned, and the certificates your contracts require.
Workers' Compensation
Statutory cover for your crew, with classification codes reviewed properly — miscoded payroll is one of the most common ways businesses overpay.
General Liability
Third-party bodily injury and property damage, products and completed operations. The policy every contract asks you to produce.
Personal lines
We write these too — for building owners, their families, and their tenants.
- Home Dwelling, contents, loss of use, and personal liability
- Auto Liability, collision, comprehensive, uninsured motorist
- Renters Belongings and liability, usually under $20 a month
- Life Term and permanent cover, sized to what your family actually needs
- Health Individual and small-group plans
- Umbrella Liability above your auto, home, and commercial limits
- Earthquake & Flood The two perils a standard policy excludes
- Landlord Rental dwelling, loss of rents, premises liability
- Classic & Specialty Vehicles Agreed-value cover for collector, modified and imported cars
- Specialty Motorcycle, boat, and off-road
The book
What we insure
Real risks we place across Woodland Hills and the San Fernando Valley — not stock photography. Buildings, builds, fleets and the odd thing that needs its own form.
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Builders RiskGround-up construction, course of construction cover -
Apartment BuildingProperty, loss of rents, premises liability -
RestaurantProperty, equipment breakdown, general liability -
Event VenuePremises liability and liquor liability -
ContractorsGeneral liability, tools and equipment, additional insured -
Recording StudioContents, equipment, business income -
HospitalityContents, premises liability, business income -
Creative OfficeBusiness owner's policy and cyber -
High-Value HomeDwelling, contents, personal liability -
Collector VehicleAgreed-value cover
Client properties, shown with permission. No addresses or identifying details are published.
Know your exposure
Different business,
different risk
Every trade carries its own worst day. Here's where the exposure usually sits — and what we look at first when we price it.
| Business type | Main risk | Exposure |
|---|---|---|
| Retail & Hospitality | Customer injury, slip & fall | High |
| Construction & Contracting | Property damage, injury | Very high |
| Professional Services | Errors & omissions | Moderate |
| Manufacturing | Product defects, pollution | Very high |
| Transportation | Auto accidents | Extremely high |
| Technology | Cyber breaches, IP issues | Moderate–high |
| Real Estate | Premises liability, E&O | Moderate–high |
General guidance, not a rating. Your actual exposure depends on payroll, revenue, claims history, and how the work is actually done.
Start to bound
How it works
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Check your rate
A few questions, no account. You get an estimated monthly range built from general rating factors — enough to know whether you're in the right neighborhood.
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Talk to a licensed agent
We take your real details to our appointed carriers and come back with actual, bindable pricing and the coverage differences in plain English.
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Get covered
Pick the option that fits. Nothing is in force until a licensed agent confirms it in writing and the carrier issues the policy.
A real person, not a call center
Rather just ask someone?
Skip the tool. Call and get a straight answer about what you're paying now, what you're actually covered for, and whether it's worth moving.
Jack Sorfazian Licensed Agent · CA Lic. #4463471
In their words
What clients say
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I had an excellent experience working with Jack. He helped me set up both my car insurance and business liability insurance and made the entire process smooth and stress-free.
Hovik G. Google review
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He didn't just put me into any policy. He explained very thoroughly every step of the process and kept full transparency. I highly recommend Jack for any looking to get Home and Auto.
AJ P. Google review
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After what felt like absolute hell trying to get homeowners insurance in California, Jack was our guy. He literally pulled off what multiple others told us was impossible.
R.N. Google review
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He's always there for me, very responsive, and ready to help whenever I have questions. Switching to him saved me so much money, and the process was easy and stress free.
Georges A. Google review
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Jack and his team are very responsive and they work with you to get you the best deal that suits your needs.
Martel R. Google review
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He's the best in the biz and quick too!
Tai S. Google review
Quoted verbatim from Google reviews. Full names and complete reviews are on our Google Business Profile.
Questions
Frequently asked
Is the Rate Check number what I'll actually pay?
No. For home, auto and renters it's an estimate built from general rating factors — area, age band, coverage level, record, and how long you've been continuously insured. Your real price is set by the carrier once they see your full details. Treat the range as a sanity check, not a bill. Commercial risks don't get an instant number at all, because they're underwritten individually — an agent prices those properly.
Do I have to give you my phone number?
Yes, to see the estimate — an agent needs a way to reach you if you want real pricing. The SMS consent box is separate and unchecked by default. Leave it unchecked and we'll only ever call or email you.
What does "independent agency" actually mean?
We aren't employed by one carrier, so we aren't limited to one carrier's pricing or appetite. We're appointed with several and we place your risk with whichever one fits it best that year.
I need a certificate today. How fast can you move?
If the policy is already with us, usually the same day. If it's a new placement, tell us the deadline when you call — carriers move at very different speeds and part of our job is knowing which one can meet yours.
Do you write builders risk for ground-up construction?
Yes, along with renovations and conversions. It's written for the length of the job and the value at completion, and it needs to be in force before materials arrive on site — not on the day you break ground.
My workers' comp went up and nothing changed. Why?
Usually one of two things: your experience modifier moved, or payroll is sitting in the wrong classification codes. Both are worth auditing. Miscoded payroll quietly compounds year over year, and it's one of the most common places we find money.
Can you handle a whole apartment schedule?
Yes — single buildings through multi-property schedules, including loss of rents and premises liability across the portfolio. Bring the schedule and the loss runs and we'll work it properly.
What information do you not collect?
No Social Security number, no driver's license number, no full date of birth, and no exact address. A ZIP code and a size band are enough to start, and we'd rather not hold data we don't need.
Can you write my policy in my state?
We're licensed in California and write across Woodland Hills and the San Fernando Valley. Enter your ZIP in the Rate Check and it will tell you straight away, or just call us.
What happens after I submit my details?
You see your estimated range immediately. A licensed agent follows up within one business day if you want real, bindable pricing. No coverage is in force until an agent confirms it in writing.