Insurance
Business Insurance
Protect your business and your peace of mind with customized coverage built to shield you from unexpected disruptions. Whether it’s a lawsuit, property damage, or equipment breakdown, we've got you covered with local support you can trust.
Rated 4.9 out of 5
Based on 50+ reviews
Covers your building & business property
From your storefront to your inventory, we protect the things your business depends on.
Protects against lawsuits
Liability coverage if someone gets hurt or claims damages caused by your business.
Keeps your business compliant
Meets lease or contract requirements for insurance coverage.
Peace of mind for owners
Run your business with confidence, knowing you’re protected from costly risks.
Car Insurance made simple
Personalized coverage. Trusted local guidance.
At Kwan Insurance Services, we help you find the business insurance that truly fits your operations and your industry. Whether you’re a small business owner, contractor, or commercial tenant, we work with you to choose the right protection for your needs. Business insurance protects you financially in the case of an accident, lawsuit, property damage, and operational disruptions. It’s not just required by law – it’s essential peace of mind on the road.
With access to multiple carriers, we compare quotes, explain your options clearly, and guide you through every step – so you don’t have to figure it out alone. With over 30 years of experience, we make business insurance simple, transparent, and tailored to you.
Built on trust. Backed by experience.
Here’s why people choose us for their Business Insurance
- Family-owned with personal, honest service.
- 30+ years of local insurance expertise.
- We compare top carriers to save you money.
- Support in English, Cantonese, and Mandarin.
Build a policy that works for you
Popular Business Insurance coverage
We make it easy to understand your choices. Explore the coverage options that offer the best protection for your business and budget.
What is Commercial Business Insurance and how does it work?
Commercial Business insurance helps protect you from the unexpected, whether that’s an accident on your property, a client lawsuit, stolen inventory, or a burst pipe in your workspace. It provides financial protection so you can focus on growing your business with confidence. Most policies bundle Commercial Property Insurance and Commercial General Liability Insurance and can be expanded with endorsements to match your industry needs.
See state-specific insurance exceptions
Coverage and requirements may vary by state. Check with us to see what applies in your area.
What insurance do you really need?
Property and Liability Coverage is a must, but every industry has its own risks. Here’s what to consider:
- Restaurants: Add spoilage and liquor liability
- Construction: Add contractor’s equipment and inland marine
- Retail/Offices: Add employee dishonesty and business income coverage
Let us help tailor your policy for what your industry really needs.
- Restaurants: Add spoilage and liquor liability
- Construction: Add contractor’s equipment and inland marine
- Retail/Offices: Add employee dishonesty and business income coverage
Let us help tailor your policy for what your industry really needs.
Optional coverages and special insurance options
Beyond the basics, you can provide enhanced protection depending on your operations. Options like cyber liability/data breach, employment practices liability, equipment breakdown, and broadening endorsements.
How we help you choose the right coverage
As your local broker, we listen first. We get to know your situation and guide you through your options, making sure your coverage fits your needs and budget. Whether you’re just starting out or scaling up, we’re here with honest advice and personal service.
How to get started
Simple steps to the right Business Insurance
From your first message to ongoing support, getting insured with us is easy. Here’s how we guide you through every step - with clarity, care, and no pressure.
No complicated formsFast, personalized quotes
Step 1
Get in touch
Contact us by phone, email, or online - we’re ready to help.
Step 2
Get tailored Business Insurance quote
We’ll ask a few quick questions and provide the best options for you.
Step 3
Get honest advice
Not sure what you need? We’ll explain your coverage options clearly.
Step 4
Set up your policy
When you’re ready, we’ll handle all the paperwork and get you insured.
Step 5
Rely on us for support
Have questions or need to file a claim? We’re here whenever you need us.
You’re in good company
Here is what others say
Rated 4.9 out of 5 by real clients
5 stars service. Karson is a very nice person and good advisor. He is a very helpful person. He helped me find a good package for my car insurance. The monthly premiums for my car insurance were lower, but the coverage was much better. Highly recommend.
Francis Yuen
2 months ago
Karson helped me renew my home and auto policies in a bundle that expanded my coverage without increasing my rates. He gave me honest recommendations based on my needs, was very responsive over email, and had a streamlined system for signing and payment. I would 100% recommend to anyone in California or Oregon!
Sienna Ringgenberg
2 months ago
Great service! They are very attentive and able to find the correct insurance that fit my needs. Victor is a funny guy. He'll make sure you're satisfied.
Hong Kwan
2 months ago
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
6 months ago
Kwan Insurance removed stress out of sorting through insurance quotes after an out-of-state move. They compared quotes and even checked with my existing out-of-state insurer if they could transfer my policy. Karson was responsive, friendly, and advocated for my best interest by letting me know additional ways to bundle and save money. I strongly recommend Kwan for your insurance needs.
Andrew Collins
6 months ago
Great service by Victor and Karson, covering all my insurance needs!
Curtis Liew
2 months ago
It's hard to get a new homeowners insurance policy in California now as all big insurance companies have stopped giving new policies, considering California is at high risk of wildfires. Karson was amazing to get me an affordable homeowners insurance policy within the same day.
Ajay Soni
6 months ago
"Recently switched my auto insurance and Karson helped me with getting the best rate! I saved about $700 switching to his services. It was fast and hassle free. Karson wasn’t pushy and was really patient when I was shopping around for auto insurance. He was very communicative and have responds quickly. Would recommend him and his team!"
Azaian Cagalingan
3 months ago
I had a truly great experience working with Karson. He was incredibly knowledgeable and took the time to explain everything clearly, patiently answering all of my many questions. He went above and beyond by exploring several different insurance options to find the best fit for my specific needs. What impressed me most was that he also provided helpful tips that significantly improved my understanding of insurance choices. Thanks to his expertise and guidance, I felt completely confident in making my decisions. On top of all this excellent service, I saved nearly $2,000 by switching from Allstate and keeping the same coverage! I highly recommend Karson to anyone looking for a knowledgeable, patient, and effective automobile insurance agent who can truly deliver results.
Richard P
6 months ago
FAQ
Common Business Insurance questions asked by clients
Get quick answers to the questions we hear most - from coverage basics to claims and costs.
What’s the difference between general liability and professional liability?
General covers physical injuries or damage. A professional covers errors or negligence in your service.
Do I need commercial property insurance if I lease my space?
Yes — most leases require property and liability coverage.
Can I bundle different business coverages?
Yes! Many policies can be bundled into a Business Owner’s Policy (BOP) for better value.
Do you offer insurance for restaurants or contractors?
Absolutely! We tailor plans to fit the specific risks of your industry.
What happens if I need to file a claim — do I contact Kwan or the insurance company?
You’ll file with your insurance carrier directly, but we’ll be here to help every step of the way.
Coverage made simple
Helping local businesses stay covered, compliant, and confident
- Rated 4.9 out of 5 stars
- 30+ years of expertise
