Insurance for commercial properties.

Get the right coverage for your building, your rental income, and the liability that comes with it.

or call (628) 221-0300

California License No. 6019376

Before you renew

Most owners have a gap they don't find until they file a claim.

New policy or current one, we check the things that actually decide whether you get paid, and tell you exactly where you stand.

  • Are you insured to full replacement cost, or will a coinsurance penalty cut your claim?
  • Do you have ordinance and law coverage for code upgrades after a loss?
  • Is loss of rents covered, and for long enough to actually rebuild?
  • Is earthquake and flood addressed on purpose, or silently excluded?
  • Are your tenants' certificates current and naming you as additional insured?
What we cover

Coverage built for property owners.

A complete program for the building, the income it produces, and the liability that comes with owning it.

Building & Property

Replacement-cost protection for the structure, systems, and contents, plus the endorsements that actually pay when you need them.

Loss of Rents

Keeps your rental income flowing when a covered loss makes the building unusable, for as long as it takes to rebuild.

General & Premises Liability

Protects you when someone is injured on your property or a claim from a tenant or visitor lands on the owner.

Earthquake & Flood

The big California exposures most policies exclude. We place them on purpose through specialty and DIC markets, not by accident.

Umbrella & Excess

Extra limits stacked over your property and liability for the claims that go bigger than a base policy can handle.

Vacant & Under Renovation

Builders-risk and specialty coverage for buildings between tenants or mid-construction, where standard carriers walk away.

Who we cover

For California commercial property.

From a single building to a growing portfolio: owners and investors across the state.

The team

Who you'll work with.

You work with a dedicated, licensed team that knows your account, not a call center or a rotating rep.

Bek Hamit

Bek Hamit

Founder & Broker

Licensed California producer (No. 4542497). Bek oversees every account, from placing coverage to handling claims.

John Tate

John Tate

Associate

John runs marketing and growth at Stargane.

Get a quote

Tell us about your property.

Share a few details and we'll get you a quote and a quick read on your current coverage.

Get a quote

We respond within one business day.

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