Business Details
50+ Years
experience
Trusted Insurance Solutions for San Diego Businesses
H & M Insurance is a family-owned independent insurance agency serving San Diego and California since the 1970s. With over 50 years of experience, we specialize in providing personalized commercial and personal insurance solutions tailored to the unique needs of our clients. Our team works with multiple A+ rated carriers to offer competitive rates and comprehensive coverage options. We pride ourselves on our deep understanding of California insurance regulations and our commitment to building long-term relationships with our clients.Our services include commercial property, auto, liability, workers' compensation, and business interruption insurance, among others. We are dedicated to delivering exceptional customer service, quick claims processing, and expert guidance to help our clients protect their assets and future.
Services
Commercial Property Insurance
Commercial Auto Insurance
Fleet Insurance
Workers Compensation
Business Owners Policy
General Liability
Cyber Liability
Inland Marine
Business Interruption
Errors and Omissions
Details
- Year established: 1975
Highlights and features
- We are a local San Diego independent insurance agency with 50 years of experience.
- Our family-owned business provides personalized insurance solutions tailored to your needs.
- We work with multiple A+ rated insurance carriers to offer competitive rates and options.
- Our team has deep expertise in California insurance regulations and market trends.
- We offer industry-specific insurance coverage for businesses in diverse sectors.
What people say
Most helpful insurance agents
Best prices on the market
Quickly and professionally handled claims
Always available for assistance
Tailored policies to fit needs
Services
Commercial Property Insurance
Commercial Property Insurance protects businesses against physical damage to buildings, inventory, and equipment from risks like fire, theft, and natural disasters. This coverage ensures business continuity by covering repair or replacement costs, safeguarding assets critical to operations. It is essential for businesses owning or leasing commercial spaces.
Commercial Auto Insurance
Commercial Auto Insurance covers vehicles used for business purposes, protecting against liability and physical damage. It includes bodily injury, property damage, collision, and uninsured motorist coverage. This policy is mandatory for businesses operating vehicles in California, ensuring financial protection against accidents and legal claims.
Workers Compensation
Workers Compensation Insurance provides benefits for employees injured or ill due to work-related causes. It covers medical expenses, lost wages, and rehabilitation costs. Required by law in California, this coverage protects both employees and employers from financial strain due to workplace accidents.
Business Owners Policy
A Business Owners Policy combines general liability and commercial property insurance into one package. It offers cost-effective, comprehensive coverage for small businesses, protecting against common risks like property damage, liability claims, and business interruption, ensuring holistic risk management.
Cyber Liability Insurance
Cyber Liability Insurance protects businesses from financial losses due to data breaches and cyberattacks. It covers costs related to data recovery, legal fees, and regulatory fines. This coverage is crucial for businesses handling sensitive digital information, mitigating risks from evolving cyber threats.
Questions
Do I need business insurance if I operate from home?
Yes, home-based businesses still require business insurance to cover liability risks and property damage not included in standard homeowners policies.
How are business insurance costs determined?
Costs depend on factors like industry type, coverage limits, claims history, location, and business size. H&H Insurance helps find affordable options tailored to your needs.
What is the difference between general liability and professional liability?
General liability covers physical risks like property damage, while professional liability (E&O) addresses claims from professional mistakes or negligence.
Can I bundle multiple insurance policies?
Yes, bundling policies like BOP or fleet insurance can reduce premiums and simplify coverage management through H&H Insurance.
Is workers' compensation required for small businesses?
Yes, California law mandates workers' compensation for all businesses with employees, ensuring coverage for workplace injuries or illnesses.
