David Zarate Insurance ServicesCommercial · Life · Annuities

Commercial insurance

Built around real business exposures.

From employee injuries and property losses to customer claims and vehicle accidents, the right program begins with an accurate understanding of your operation.

Request a commercial review
01Coverage conversation

Workers’ Compensation

A thoughtful review of classifications, payroll, claims, training, and return-to-work practices can make a difficult exposure easier to manage.

02Coverage conversation

Commercial Property

Bring buildings, improvements, equipment, inventory, business income, and specialized assets into one clear coverage conversation.

03Coverage conversation

General Liability

Consider the premises, products, completed operations, contracts, additional insured requests, and excess liability around the work.

04Coverage conversation

Commercial Auto & Fleet

Look at owned, hired, and non-owned autos alongside driver eligibility, vehicle use, maintenance, and accident response.

A better renewal conversation

Start before the last-minute quote.

Get the details right

Accurate operations, property, vehicle, payroll, and loss information gives the market a clearer picture.

Make room to improve

Early preparation leaves time to answer underwriting questions, address gaps, and discuss practical risk control.

Consider the full picture

Depending on the business, the program may also need cyber, crime, employment practices, professional liability, bonds, or excess coverage.

Move with confidence

A clear process helps owners understand what can go wrong and how coverage is meant to respond.

Your operation deserves context

Bring the questions you have. We’ll organize the next ones.

Discuss your renewal