Commercial Insurance in Santa Clarita, CA

Capital & Co, based in Los Angeles, serves Santa Clarita businesses. We work with business owners across the Santa Clarita Valley, including Valencia, Newhall, Saugus and Canyon Country, to put together commercial insurance that fits how they operate. We work by phone, email and online, so you don't need to visit an office to get a quote, request a certificate or review your coverage.

Santa Clarita's economy is a mix of construction and trades, light industrial and manufacturing businesses in its business parks, film and production work, logistics along the I-5 corridor, and the retail, restaurant and professional services that serve a growing residential community. Each brings different risks, and each needs coverage built for the work.

Industries we commonly work with in Santa Clarita

Contractors and trades. Ongoing residential development and commercial projects in the valley keep general contractors and specialty trades busy. Contractors typically need general liability, workers' compensation, commercial auto, inland marine for tools and equipment, and the certificates, additional insured endorsements and waivers that GCs and owners require. See our contractor insurance pages for trade-by-trade detail.

Manufacturing and light industrial. Businesses in Valencia and the valley's other industrial areas often need commercial property, equipment breakdown, product liability, workers' comp and umbrella coverage.

Film, production and event vendors. Santa Clarita is a popular area for filming locations and production facilities. Vendors that provide equipment, transportation, set construction or services on location commonly need inland marine for equipment, GL, hired and non-owned auto, workers' comp, and certificates for each production or location.

Warehousing, logistics and trucking. Businesses near the I-5 corridor may need commercial auto or trucking coverage, cargo, warehouse property and workers' comp.

Retail, restaurants and professional services. Storefronts, restaurants and offices often fit a business owners policy, plus workers' comp, liquor liability where alcohol is served, professional liability and cyber liability.

Coverage options

• General liability: third-party bodily injury and property damage claims
• Workers' compensation: required for California employers with employees
• Commercial auto: vehicles your business owns, plus hired and non-owned auto
• Commercial property: buildings, equipment, inventory and business income
• Inland marine: tools, equipment and property in transit or at job sites
• Umbrella and excess liability: higher limits above your primary policies
• Professional liability and cyber liability: for service firms and businesses that handle data
• Surety bonds: contractor license bonds and other bonds

Santa Clarita risk considerations

Wildfire exposure. Parts of the Santa Clarita Valley sit next to wildland areas. Property owners and businesses near brush areas may find that insurers ask more questions about construction, defensible space and fire protection, and some insurers limit how much they'll write in certain areas. In those cases, surplus lines markets may be an option, subject to underwriting. Surplus lines insurers are not licensed by California and do not participate in California's insurance guarantee funds. Start renewals early if your location has wildfire exposure.

Contract requirements. Developers, general contractors and production companies often specify minimum limits, additional insured wording, primary and non-contributory language and waivers of subrogation. Send the insurance requirements with your quote request so your policies match.

Commuting crews and vehicles. Many valley businesses send crews and vehicles across Los Angeles County. Make sure every vehicle and regular driver is listed, and that employees using personal vehicles for work are covered by hired and non-owned auto.

Leases and business park requirements

Many Santa Clarita businesses lease space in business parks, shopping centers or industrial buildings. Commercial leases typically require tenants to carry general liability at specified limits, to name the landlord and property manager as additional insureds, and sometimes to carry property coverage for tenant improvements and business income. Before signing or renewing a lease, send the insurance section to your agent so the required certificate is ready when you move in.

How it works

1. 1Request a quote online with basic information about your business and the coverage you need.
2. 2We review your operations and any contract requirements, and approach insurers that may fit.
3. 3You compare options with our team, by phone or video.
4. 4Once coverage is bound, we issue certificates and support you through renewals and claims.

Running a business in Santa Clarita? Tell us about your operations and we'll help you compare commercial insurance options.

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Capital & Co Insurance Services is an independent insurance agency, CA License #6002332, based at 5455 Wilshire Blvd #1816, Los Angeles. We are not an insurance company. Quotes and coverage are subject to insurer underwriting; submitting a request does not bind coverage. This article is general information, not legal advice.