Business Details
39 Years
experience
Your Trusted Business Insurance Partner in California
Since 1987, INM Insurance Services has provided comprehensive insurance solutions to businesses and families across California, Nevada, Texas, Arizona, Illinois, Florida, and New York. As a family-owned and operated agency, we prioritize personalized service, building long-lasting relationships with clients while leveraging our deep industry expertise to create tailored policies. Our team of knowledgeable professionals works closely with top-rated carriers like Nationwide, Oregon Mutual, Hartford, and Travelers to deliver customized coverage for unique business needs. We specialize in niche products including gas station insurance, auto repair garage insurance, and apartment building insurance, while maintaining the flexibility to design any policy our clients require. Our commitment to quality service is demonstrated through expedient quote production, expert consultation, and thorough policy reviews to ensure adequate protection.With decades of experience in the insurance industry, we combine local market knowledge with national carrier partnerships to provide businesses in Southern Californiaincluding Huntington Beach, Long Beach, Los Angeles, San Diego, and Beverly Hillswith reliable risk management solutions. Our approach emphasizes transparency, client education, and ongoing support throughout the policy lifecycle, from initial placement through claims resolution and renewal. This dedication to comprehensive service has earned us positive client testimonials highlighting our professionalism, responsiveness, and user-friendly website. We maintain accessibility through multiple communication channels while adhering to strict ethical standards in all client interactions.
Services
Gas Station Insurance
Auto Repair Garage Insurance
Apartment Building Insurance
Workers Compensation
Business Owners Policy
Details
- Year established: 1987
Highlights and features
- Family-owned agency with 35+ years of industry experience
- Personalized policy creation with top-rated insurance carriers
- Specialized expertise in niche business insurance sectors
- Dedicated client support from policy inception through claims
- Local market knowledge combined with national carrier partnerships
What people say
Very kind and professional
Timely question responses
Website easy to navigate
Always looking out for us
Super insurance guy
Services
Gas Station Insurance
Our gas station insurance provides comprehensive protection for fuel retailers, covering general liability, property damage, pollution liability, and workers compensation. This specialized coverage addresses unique risks like environmental contamination, 24-hour operations, and hazardous material storage. Policies include cyber coverage and terrorism protection while working with top carriers to ensure competitive pricing and reliable claims handling for business continuity.
Auto Repair Garage Insurance
Auto repair garage insurance protects vehicle service businesses with coverage for garagekeepers liability, property damage, and workers compensation. This policy addresses risks from heavy machinery operations, customer vehicle damage, and employee injuries. We provide tailored solutions that include pollution liability and business income protection while ensuring compliance with California's regulatory requirements for automotive service providers.
Apartment Building Insurance
Apartment building insurance offers protection for residential rental properties including general liability, property coverage, and business income protection. Our policies address unique challenges like tenant protection laws and rent control ordinances while covering physical assets such as buildings, parking areas, and outdoor structures. We work with carriers to provide competitive rates based on property characteristics including location, age, and construction materials.
Business Owners Policy
Business Owners Policy (BOP) combines essential coverages for small to mid-sized businesses including general liability, commercial property, and business interruption insurance. This customizable package protects against common risks like property damage, legal claims, and operational disruptions while offering optional add-ons such as cyber liability and professional liability coverage to address specific industry needs.
Commercial Auto Insurance
Commercial auto insurance provides required liability coverage for company vehicles while offering additional protections like comprehensive coverage, collision coverage, and hired/non-owned auto insurance. We help businesses meet California's minimum requirements while offering optional coverages including umbrella insurance and medical payments to create comprehensive fleet protection plans for various vehicle types and business operations.
People
Ralph Iknadosian
President
With decades of insurance industry experience, Ralph Iknadosian leads INM Insurance Services as President, overseeing strategic direction and maintaining client relationships. He ensures the agency maintains its family-owned values while adapting to evolving market needs through innovative insurance solutions.
Jake Iknadosian
Vice President
Jake Iknadosian serves as Vice President, bringing extensive knowledge of commercial insurance products to help businesses manage risk effectively. He works closely with clients to understand their unique needs while maintaining the agency's commitment to personalized service and comprehensive coverage solutions.
Zack Iknadosian
Customer Service Director
As Customer Service Director, Zack Iknadosian focuses on delivering exceptional client support throughout the insurance process. He manages policy administration and claims assistance while maintaining the agency's reputation for responsive, personalized service that prioritizes client satisfaction.
Questions
What types of business insurance do you specialize in?
We specialize in gas station insurance, auto repair garage insurance, apartment building insurance, business owners policies, and commercial auto insurance while offering customized solutions for various industries.
How are insurance premiums determined for apartment buildings?
Apartment building insurance premiums depend on location, building age, construction materials, number of units, and exposure to natural disasters. Our agents help compare quotes based on these factors.
What coverage do auto repair shops need in California?
Auto repair shops need general liability and garagekeepers liability insurance. Workers compensation is required if you have employees, with optional coverages like pollution liability and business income protection.
Do you offer insurance for 24-hour gas stations?
Yes, we provide specialized coverage for 24-hour gas stations addressing unique risks through general liability, property coverage, pollution liability, and workers compensation insurance options.
How can I get a business insurance quote?
Request a quote online or contact our Huntington Beach office directly. Our agents will review your business needs and provide personalized insurance options from top-rated carriers.
Are you an independent insurance agency?
Yes, as an independent agency we partner with multiple top-rated carriers including Nationwide, Oregon Mutual, and The Hartford to find the best coverage options for each client's specific needs.
