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Commercial Insurance in California

Stanislaus County runs on small business. Growers and packers, framing and plumbing contractors, truckers, machine shops, restaurants, salons, and offices all keep this valley working, and every one of them carries a different set of risks. Giddings Specialty Insurance Services builds commercial insurance programs around the way your business actually operates, not around a generic industry template.

How We Approach Business Insurance

We start with a conversation instead of a form. What do you own, who works for you, where do you go during the day, and what would stop your revenue tomorrow? From there we place coverage with carriers that genuinely want your class of business, which matters more than most owners realize. As an independent agency we can move your program when a carrier stops being a good fit, rather than defending a single company product.

Coverages We Write for Modesto Businesses

Most Modesto businesses start with these four coverages:

• Commercial property insurance protects your building, equipment, inventory, and tenant improvements.
• General liability insurance responds when a third party is injured or their property is damaged, and it is the coverage most contracts and landlords require you to carry.
• A business owner’s policy bundles property and liability into one efficient package for many smaller operations.
• Workers compensation is required in California once you have employees, and it covers medical care and lost wages for work related injuries.

If your operation is more specialized, tell us what you do and we will build the program around it.

Certificates and Renewals Without the Runaround

Business insurance is not only about the policy. You need certificates of insurance quickly when a job or a lease depends on them, and you deserve a renewal review before the invoice arrives. That day to day service is a large part of why our commercial clients stay with us.