We're an independent risk management firm built for contractors, fleet operators, and the trades that keep America running. Not a call center. Not a quote engine. A dedicated partner.
Six practice areas. One integrated strategy tailored to how your business actually operates.
Class code optimization, X-Mod reduction strategies, and carrier placement across standard and specialty markets.
Learn moreBroad-form policies, completed operations, and additional insured endorsements for California's contractor requirements.
Learn moreLiability, physical damage, cargo, and hired/non-owned auto for single trucks to multi-state fleets.
Learn moreBuildings, equipment, tools, and business interruption. Builder's risk and contractor's equipment at replacement value.
Learn moreCSLB contractor license bonds, bid bonds, performance bonds, and payment bonds. Fast approvals for qualified contractors.
Learn moreSafety programs, IIPP development, claims management, contract review, and Cal/OSHA compliance consulting.
Learn moreWe work exclusively with commercial and industrial businesses. If your people operate equipment, climb roofs, drive trucks, or build things — we speak your language.
GC's, specialty trades, and CSLB-licensed subs
High-risk WC, fall protection, completed ops
Arborist liability, aerial lift, power lines
Fleet liability, cargo, DOT filings
Medical offices, home health, allied health
Armed & unarmed guards, event security
Product liability, machinery, plant property
DIR-registered, prevailing wage, bonded subs
Liquor liability, food spoilage, slip & fall
D-63 CSLB, chemical exposure, after-hours
Crops, H-2A workers, farm equipment, heat illness
Most brokers place a policy and disappear for eleven months. We offer fractional risk management — a dedicated risk advisor embedded in your business without hiring a full-time department.
We review every class code, limit, endorsement, and deductible at each renewal.
From first report through resolution — monitoring reserves, pushing closures, protecting your X-Mod.
Cal/OSHA IIPPs, toolbox talks, hazard analyses, and return-to-work protocols for your trade.
Same-day COIs, additional insured endorsements, and contract insurance reviews.
Class code errors are the most common reason contractors pay too much. Here's what to look for at your next renewal.
The difference between a 1.20 and 0.85 experience modification on a $100K premium is $35,000 per year.
Rate pressure, nuclear verdicts, and telematics — how California fleet operators should be positioning their programs.
"Tamir cut our workers' comp rates in half when we had ADP as our broker. Handles all our lines of insurance now! Very transparent. Customer service 10/10."
"He has helped us reduce risk, protect our employees, and address potential exposure across every area of the business — general liability, workers' compensation, commercial auto, property, employment-related claims, and key-person insurance."
"He made sure to get our company the best coverages and the lowest rates I've seen. He responded quickly to every request and provided certificates without delay."
"Within just a few years, he earned my entire insurance portfolio through his integrity, strategic guidance, and exceptional customer service."
Whether you need a fresh quote, a second opinion on your current program, or a full risk management strategy — we start with a conversation, not a sales pitch.
A licensed advisor replies the same business day. We quote across 50+ A-rated markets — see what California businesses actually pay or estimate your workers' comp first.