"Your Business, Our Priority"
Protecting your business with tailored insurance coverage options.
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Commercial General Liability
The foundation of most business insurance programs. General liability protects your business from third-party claims of bodily injury, property damage, and personal injury including legal defense costs. Whether a customer slips at your location or you're held responsible for damage at a job site, this coverage has you covered.
Worker's Comp
California requires most employers to carry workers' compensation and for good reason. If an employee is injured or becomes ill due to their job, this coverage pays for medical treatment, lost wages, and rehabilitation. It also protects your business from lawsuits related to workplace injuries.
Commercial Auto & Trucking
Personal auto policies don't cover vehicles used for business purposes. Whether you operate a single delivery van or a full commercial trucking fleet, we'll match you with the right coverage for your vehicles, drivers, and cargo including specialized trucking programs for owner-operators and fleet accounts.
Business Owner's & Commercial Property
Your building, equipment, inventory, and business assets represent years of investment. Business Owner's & Commercial property insurance protects against losses from fire, theft, vandalism, and certain natural events. We help you determine the right coverage limits so you're not left underinsured when it matters most.
Personal Auto
California requires liability insurance, but the state minimums rarely cover the full cost of a serious accident. A well-rounded policy also includes collision for repairs after an accident, comprehensive for theft and weather-related losses, and uninsured/underinsured motorist coverage, especially important in a state where many drivers carry little to no insurance.
Homeowners & Dwelling
A standard homeowners policy covers four key areas: your home's structure, your personal belongings, liability if someone is injured on your property, and temporary living expenses if you're displaced after a covered loss. It's worth knowing that flood and earthquake damage are not included in standard policies, a real consideration for California homeowners, and that insuring for market value rather than replacement cost can leave you underinsured when it counts.
Insurance products and availability vary by state. All coverage is subject to policy terms, conditions, and exclusions. Royal Guard Insurance Agency is licensed in California — License #6015799.